Help With Next Store Card Default.

[dejavus]

Hi All,

 

Sorry if this has been asked before couldn't find any info in the search result.

 

I had a Next Store card which is now cancelled but got a default due to God knows what reason (I ll leave contesting the default to another thread), but account has been closed anyway but its been more than 4 years now and I thought I read somewhere that store card default leave your account after 3 years, could someone confirm if this is the case or not.

 

 

 

Thanks in advance.

[citizenB]

It will drop off your file 6 years from the default date.

[dejavus]

I had a Next Store card which is now cancelled but got a default.

 

I SAR Next and almost 40 Days later I got the response below. I have scanned the included documents and attached them to this post. I used the card only once I think and forgot to make the payment in time but paid few days later to my knowledge and never used the card again until I cancelled the card in 2009. as shown below.

 

Please the whole essence of this post is to advice on means by which I can get Next to take off this default notice as I was not notified of this not until lately when I checked my record.

 

Any advice will be duly taken on board and appreciated.

 

Thanks in advance.

 

Picture 1 (Screenshot of record in Credit File)

 

 

Picture 2 (Response Letter from Next)

 

 

Picture 3 (Original Agreement??? This has my name and address on it so I suppose its a copy of the Agreement but I doubt it as I believe I signed up in store to my Knowledge hence I physically signed a form but the copy that was sent to me was not signed and my details on there was typed not handwritten.)

 

 

Picture 4 (Statement and I cannot make sense of it , would appreciate some help in understanding what it says)

 

 

Picture 5 (Copy of Generic Agreement enclosed not sure why it was included)

 

 

Picture 6 (Cover of Generic Agreement)

 

[dx100uk]

its a late payment marker not a default.

 

should not be hurting you at all.

 

what is the issue?

 

cant get a mortgage because this is on there?

 

dx

[dejavus]

its a late payment marker not a default.

 

should not be hurting you at all.

 

what is the issue?

 

cant get a mortgage because this is on there?

 

dx

 

I am just about to apply for a mortgage and trying to make my file as squeaky clean as possible. apart from this I also have an AP from a Natwest overdraft which I talked about in this thread and thats about it. No late payment elsewhere and everything is okay. Would you reckon these 2 wouldn't be an issue?

[dx100uk]

as said in the other thread it will be doing you little harm

 

what is the score then?

 

you've got recnt ceredit so should be good

 

dx

[dejavus]

as said in the other thread it will be doing you little harm

 

what is the score then?

 

you've got recnt ceredit so should be good

 

dx

 

I just checked now with Equifax and its scoring me 428 out of 600.

 

 

 

Latest Score

428

428

15/06

What your Score means to you

You have a score of 428. Your score is highly predictive that you would be a good candidate for credit. You are above the average for UK borrowers. Most credit grantors would consider this score good. While many factors other than your score influence the decision to grant credit, you will probably not be turned down for loans based on your score alone. Review the Risk Signals below to identify areas that may be negatively impacting your score. Find out more about automatic credit decisions .

Credit Agreements

This section lists information provided by credit providers and other lenders, including details of existing and previous credit agreements and historical information about the repayment of these agreements. Lenders update and supply this information to Equifax on a monthly basis. You may find that not all the credit accounts you have with lenders are necessarily shown on your credit report. However, most lenders provide Equifax with information on all their customers accounts, irrespective of the status of the accounts i.e. up to date and overdue.

 

Good

You have 10 active accounts and 6 settled accounts on file at your current address. Credit grantors prefer that you have at least one or two accounts as part of your credit profile. Active accounts are preferred to settled accounts.

 

Good

You have no active accounts and 11 settled accounts on file at your previous address(es). Credit grantors prefer that you have at least one or two accounts at your current address. Settled accounts at your previous address can improve your chances of getting credit if you have a limited credit profile.

 

Excellent

Your oldest account is 7 year(s) 10 month(s) old. Credit grantors prefer to see accounts opened at least 36 months.

 

Excellent

You have no derogatory items in your payment history.

 

Excellent

All payments on your accounts are up to date.

 

Excellent

Credit reference agencies are receiving periodic updates from your credit grantor(s) that reflect you have made payments on time in the past.

 

Excellent

You have no defaults.

Electoral Roll

The Electoral Roll is a list of everyone who is entitled to vote in elections, and their addresses. Your Local Authority updates this information every year using the details from the registration form you receive each autumn from your Electoral Registration Office. Each year we use a copy of the Electoral Roll to update our records. If you've move house during the year and advise your new Electoral Registration Office we will reflect this change as part of our additional monthly update from each local authority. The address details on our database are sourced from the Post Office and may differ slightly from the address details registered with your Local Authority. As part of your Credit Report we will provide you with details of the Electoral Roll for each of the addresses you supplied to us, current or previous and also for addresses linked to you. Please be aware that new properties may not yet appear on our database and that Equifax holds a limited number of addresse for the Channel Islands.

 

Fair (I moved house in September 2011 and notified the council but was not reflected until April Last Year )

You are presently shown as registered on the electoral roll but your registration at your current address is for two years or less. Credit grantors generally prefer at least 3 or 4 years of confirmed residency as this indicates stability. Please review the section of your credit report entitled Electoral Roll . For more information about Electoral Roll data, click here .

..........................................Current ............Previous 1 Previous 2

Confirmed .........................Yes Yes N/A

Length of Time on Electoral Roll 1 year ...............5 years N/A

 

Searches

A search is the process organisations undertake when they wish to review information held on your Credit Report. Such searches will have been performed with your consent and typically take place when you make an application for credit with a lender. A search enables lenders to view information at your addresses in order to decide whether or not to grant credit.

Previous Credit Searches appearing on your Credit Report show lenders that you have made applications for credit. Searches for lending purposes would not normally be viewed as adverse information. If however there were an unusually large number of Credit Searches in a relatively short period of time, this may be interpreted by a lender as being indicative of over-commitment or maybe even fraud.

Not all searches are performed for lending purposes. Another potential purpose is Identity Checking. Such searches are not seen by any lender or other organisation reviewing your Credit Report

 

Excellent

You have had 0 search(es) for credit in the last six months. Credit grantors view more than one or two searches within six months unfavourably. Please review the section of your credit report entitled Previous Searches . For more information about credit searches and what you can do about them, click here .

Court Information

Judgments are issued as a result of County or High Court action. If a Creditor/Claimant (the person looking to claim the money from you) is owed a sum of money by you they may raise a claim against you in either the County or High Court, for recovery of these monies. If the court agrees that the Creditor/Claimant is owed the money, then a Judgment will be granted by the court against the Individual (Defendant). The monetary value of this Judgment will be for the amount due and any associated costs. In Scotland similar judgments given in the Sheriffs Courts are called Decrees. Equifax receives this information from Registry Trust Ltd. Registry Trust Ltd is a non-profit making company, contracted by the Lord Chancellor, through the Ministry of Justice, to maintain the statutory public Register of Judgments, Orders and Fines covering courts in England and Wales. As well as holding public registers covering money Judgments/Decrees in Scotland, Isle of Man, Northern Ireland and Jersey, Registry Trust Ltd acts as a clearing house for Judgments registered in Eire. Details of all these Judgments/Decrees, and any subsequent amendments, are passed to the credit reference agencies for inclusion in their Reports.

 

Excellent

You have no information in your credit report that indicates a Court Judgment or other public record information such as a bankruptcy in your name. Credit grantors view this favourably.

Edited June 15, 2013 by dejavus
Address Details.

[dx100uk]

still a bit low though

prob the voters?

 

or have you a lot of searches?

 

dx

[dejavus]

still a bit low though

prob the voters?

 

or have you a lot of searches?

 

dx

 

What is classed as "lot"?

 

I had some issue with O2 with my address in the past, whereby I was not able to place an order online on their website due to some issue with the say my address was recorded on their system.

 

Oblivious of the damage that was being done to my file. I tried online and and even called up to talk to someone who advised all looks okay and wanted to try it over the phone if that was okay to which I said yes but was declined eventually as well.

 

These obviously has left their footprint on my file. IS there a way I can get O2 to remove these searches from my account?