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credit file help


knapper78
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Hi i'm a newbee and i need some help, i've been reading up on removing files from my credit file and so far what i've read i believe that you can remove old agreements from your file before the six years....is this true???

also i have a default on my file which i would love to have removed...problem is the account is'nt settled....its with hsbc bank...i was paying it back to a debt collection agency but they stopped taking the monthly payments from my account...the default is still showing as being open and i only have one year left before it comes off my credit file....i rang experian and the advisor told me not to bother contacting hsbc about this as i only had a year before it gets removed and to sit tight because if i contact them it could be longer before the default is removed, is there a way i could get it removed or do you think i should sit tight and wait??? also do you think i should write and ask for a copy of the original agreement because i believe if they cant supply it then they cant enforce the debt?? is that true??

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sit tight and wait for a year. if you open negotoiations with hsbc now they can re default you if you miss any further payments and that stays for another 6 years.

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