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Ash
Ash, Solicitor
Category: Law
Satisfied Customers: 10916
Experience:  Solicitor with 5+ years experience
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Is there any legal way of getting defaults removed from

Resolved Question:

Hi, Is there any legal way of getting defaults removed from my credit file? All debt has been settled and I no longer owe anything.
Submitted: 1 year ago.
Category: Law
Expert:  Ash replied 1 year ago.
Hello my name is ***** ***** I will help you.
Do you accept that the entries are correct please?
Customer: replied 1 year ago.
Yes they are correct - unfortunately a legacy from my student days!
Expert:  Ash replied 1 year ago.
Are they defaults or Court Judgments?
Customer: replied 1 year ago.
Defaults.
Expert:  Ash replied 1 year ago.
Ok. Its bad news I am afraid - unless they agree there is no legal way. You can write and ask them if it has been some time and say its affecting your credit - its a matter of discretion for them.
But in any event after 6 years from date of default they will drop off your account.
I am sorry if this is not the answer you want and certainly not the one I want to give you, but I have a duty to be honest.
Can I clarify anything for you about this today please?
Alex
Customer: replied 1 year ago.
Don't worry about the answer- Its exactly what I expected! I just wanted to fully confirm with an expert!I might try writing to them and hopefully they will be lenient- it has been about 4 years. If not I will just use the next 2 years to save a bigger deposit for mortgage!Thank you so much for your help- its really appreciated.Kat
Expert:  Ash replied 1 year ago.
Indeed, I am sorry Kat.
Alex
If this answers your question could I invite you rate my answer before you leave today.
If the system won’t let you please click reply.
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Customer: replied 1 year ago.
Don't worry- its not your fault and Im really grateful for the advise!It won't let me leave a rating- can you send a link??
Expert:  Ash replied 1 year ago.
Sorry.
You should be able to rate by clicking a smily face - try again now and if mot let me know.
Alex
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