on 10-05-2024 01:26
on 10-05-2024 08:48
@Sukh8701 wrote:...I have not been defaulted and if I make payment all will be fine.....Once I made payment he then confirmed .....I won’t be defaulted on my credit report....However today I looked and there is a default.
There's two bits of terminology you should be aware of before proceeding.
1: "Credit score" - there's no such thing, you should be concerned with your statutory credit file which lenders rate against their internal (confidential) scoring.
2: "Default" - this refers to an outstanding debt which has gone unpaid.
If you have made payment against a default, you are a) Admitting the debt was valid, and b) Been a late payer. For these reasons, the default will not be removed but marked as settled.
If you disagree with a default on your credit file, then emailing the CFA inbox with evidence of its alleged inaccuracy is the way to go - if they agree, it should be removed. So there seems 3 pertinent questions here..
1: Have you paid against a default? If so, you've agreed it's valid thus cannot argue otherwise.
2: What did you email CFA with? Evidence of the default being wrong? Refer to point 1.
3: When did you email CFA - was this more than 21 days ago?
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on 10-05-2024 15:06
Hey Sukh8701, thank you for reaching out and a warm welcome to the community I am so sorry to hear this.
If a payment has been made it can take up to 21 working days for this to come off the credit file.
Has it been this long or sitll in this time frame?
Remember this is working days not including bank holidays or weekends.
Matt - Forum Team
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