Credit File

[chrisuk013]

I have a default or two on my credit file,Can these be removed legally?

[Ethel]

Yes, by paying them off.

Unless you know they should not be there because you either never had the debt in the first place or you have already paid it off, it will stay there.

[JRB]

If you have a judgement against you in the courts this will remain on your credit rating for 6 years. If you pay off the money owed you can request that the creditor sends a note marked "paid in full" to the credit rating companies and any future enquirers as to your credit-worthiness will be informed of this, and often take a more lenient view, though the debt will still remain on record.

Check with your bank or local CAB for a booklet from Experian, one of the largest credit rating companies in the UK, which will explain this procedure in full.

[chrisuk013]

so these companies who claim they can remove them paid or unpaid are not telling the whole truth then...?.

I have a default on my file that i truly believe should not be there,How do i get this removed..?

[JRB]

Everyone has a right to see their credit files and correct any mistakes.
Send each agency a �2 cheque or postal order, your full name and address and date of birth together with a list your addresses for the past six years.
Say that you are applying under Section 7 of the Data Protection Act 1998.
If it contains false information, you can ask for it to be changed.
Letters should be sent to:

Experian Ltd
Consumer Help Scheme
PO Box 8000
Nottingham NG1 5GX

Equifax Credit plc
Credit File Advice Service
PO Box 1140
Bradford BD1 5US

Callcredit plc
Consumer Services Team
Park Row House, 19- 20 Park Row
Leeds LS1 5JF

It sounds a lot of work but it is worth it to get your credit rating restored.