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I am hoping somebody could perhaps offer some help.


I have previously had a number of serious debt problems, culminating in multiple defaults and a CCJ in 2008.


Since then I have sorted myself out and put these debt problems behind me.


I had been checking Equifax and Noddle, which showed the respective defaults fall off my file last year. Once such default was for a bank account/overdraft with Halifax.


Yesterday I checked my file with Experian and have noticed an issue, which may effect a pending mortgage appliacation.


Halifax last updated Experian in 2010 - and the account is currently showing 3 payments late - opposed to the default which was issues and should now have dropped off with time.


I do not have any paperwork relating relating to the Halifax account, and cant remember specficially when the account defaulted. I cant confirm on Equifax as it has now dropped off there. What is the best course of action to get this removed?



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Hello and Welcome,


You could send a Subject Access Request to Halifax, this would let you know all the information you need to confirm your default date ect.


Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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