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conwaytwitty

months displayed on credit file

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On my credit file I have a couple of credit cards and bank account listing details going back 6 years i.e. including 2012.

 

I have a default which is coming up for SB this month, but the record doesn't show 2012, it only goes back through 2013.

 

Am I right in thinking this is deliberate to make it difficult to calculate an SB date.

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By listings do you mean default markers ?

 

If its only listed from 13 instead of 12 they have placed the default marker 12 months late .


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The account info shows the default for the account is late Feb '12,

 

the monthly reporting only goes through 2013-2017.

 

Effectively, months 61-72 on the credit reports are 'missing',

not showing for this defaulted account,

but they do show for active accounts which are in a good state.

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Take it up with your CRAs and raise a query


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defaulted date is nothing to do with SB date.

 

if the defaulted date is feb 2012

then next month it will vanish regardless to the monthly calendar showing or not.

 

the only way to prove SB date will be to ring the creditor and ASK.

 

CRA file calendar sections are notoriously wrong and should never be relied upon.


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