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Credit agencies DO remove entries whilst in dispute then?


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I noticed on my credit report some information that I disputed.

I got a letter from the agency saying they had removed the entry while investigations took place.

They later re-instated the entry, but not for 3-4 weeks.

 

Is this normal practice?

 

If it is, what is to stop people disputing all their credit file, and during the removed period, getting credit before re-instating of the entry takes place?

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because the debts history is usually still there. They just remove current markers. And it all depends on the type of debt and marker that was there. If it was a long default, or a CCJ, they wouldnt touch it. default wouldnt get touched until they had contact from the creditor first ( or non contact if some dca's choose to ignore), and CCJ's wont get touched until either 6 years have gone past, or the creditor supplies them with a copy of the court document saying to remove it ( or the creditor removes it themselves).

 

There are a lot of safeguards in place to stop people abusing the credit system. Doesnt stop all of the people who actually study the system in detail, but it catches the majority out. It's also why lenders have their own criteria for lending.

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  • 2 years later...

I have read that they do and indeed, Noodle did remove one of my disputed debts for about a month whilst they investigated.

 

Do they all do this or is it just Noodle?

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I think they are all obliged to take notice of a disputed debt notice !

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what are you trying to do.

 

 

tell us about the dispute please

 

 

no theres no requirement nor does it really help if its removed as such.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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