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equifax removal of default, anyone?

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Hahadumball
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Joined: 07 Oct 2015
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PostPosted: 22:07 - 30 Aug 2017    Post subject: equifax removal of default, anyone? Reply with quote
had a default removed off my credit score using equifax and it wasnt showing on my credit report around 8 hours after they said it was removed, check today around a week later and its showing on there again...

normal?
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Fin: no matter how much I look at It I can't understand what was going through my head, all I remember is going about 80 and redlining it to stop it seizing.
360 Deg... Five 1/4 turns. :- Teflon-Mike 18 Jan 2015
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GSTEEL32
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Joined: 24 Feb 2010
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PostPosted: 22:43 - 30 Aug 2017    Post subject: Reply with quote
The input into equifax, and people like experion, are generally fed by external credit providers. As such, they take different times updating their feed.

I would let it wash out over 2 to 3 months before doing something about it.

Defaults are treated differently, not so much on the outstanding balance, but more the time period that has elapsed since.....

Unless your being evaluated for a mortgage, I doubt it'll be significant on your score, assuming your not massively leveraged up with those online £500 quid loan people.
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M.C
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Joined: 29 Sep 2015
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PostPosted: 23:26 - 30 Aug 2017    Post subject: Reply with quote
GSTEEL32 wrote:
assuming your not massively leveraged up with those online £500 quid loan people.

Whistle
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Hahadumball
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Joined: 07 Oct 2015
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PostPosted: 02:52 - 31 Aug 2017    Post subject: Reply with quote
M.C wrote:
GSTEEL32 wrote:
assuming your not massively leveraged up with those online £500 quid loan people.

Whistle


£50 wonga but theyre all gravy Laughing Laughing

saying that since my default was removed my score skyrocketed from very poor to very good
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Fin: no matter how much I look at It I can't understand what was going through my head, all I remember is going about 80 and redlining it to stop it seizing.
360 Deg... Five 1/4 turns. :- Teflon-Mike 18 Jan 2015
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Sapolsky
Borekit Bruiser



Joined: 05 Aug 2017
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PostPosted: 08:21 - 31 Aug 2017    Post subject: Re: equifax removal of default, anyone? Reply with quote
CrippleTron wrote:
had a default removed off my credit score using equifax and it wasnt showing on my credit report around 8 hours after they said it was removed, check today around a week later and its showing on there again...

normal?


yeah, I had this after vodatwats fucked up my billing and my credit rating in one go (how dare I see the light within my 14 day cooling off period...)

After 6 months of lengthy phone calls and eventually filing a report with the ombudsman they decided to wipe it all off. It did take a while to show on equifax, vodafone said it had definitely gone though. Make sure you hit the "get a new credit report" button or whatever the fuck it is, no idea why you have to request one every single time. I can't remember the exact timescale, a week or two I think.
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Hawkeye1250FA
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Joined: 14 Oct 2016
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PostPosted: 19:50 - 31 Aug 2017    Post subject: Re: equifax removal of default, anyone? Reply with quote
CrippleTron wrote:
had a default removed off my credit score using equifax and it wasnt showing on my credit report around 8 hours after they said it was removed, check today around a week later and its showing on there again...

normal?


Equifax and experion only show data supplied by the companies in question.

We had (have) an ongoing saga with lloyds who have decided in their wisdom to resurrect a 12 year old bank account in my wife's name and send it into its overdraft by a penny. It sat their accruing charges over a number of years until it went over its limit.

They raised a default against it and it's been taken off more times than AA has moved his goalposts.

Each month that it's removed - they simply send the same information back to equifax the following moved so it appears again.

Tl:dr : you need to get it sorted at the source of the default - then it filters through to equifax etc. after a month or two.
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Hahadumball
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Joined: 07 Oct 2015
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PostPosted: 21:06 - 01 Sep 2017    Post subject: Re: equifax removal of default, anyone? Reply with quote
Hawkeye1250FA wrote:
CrippleTron wrote:
had a default removed off my credit score using equifax and it wasnt showing on my credit report around 8 hours after they said it was removed, check today around a week later and its showing on there again...

normal?


Equifax and experion only show data supplied by the companies in question.

We had (have) an ongoing saga with lloyds who have decided in their wisdom to resurrect a 12 year old bank account in my wife's name and send it into its overdraft by a penny. It sat their accruing charges over a number of years until it went over its limit.

They raised a default against it and it's been taken off more times than AA has moved his goalposts.

Each month that it's removed - they simply send the same information back to equifax the following moved so it appears again.

Tl:dr : you need to get it sorted at the source of the default - then it filters through to equifax etc. after a month or two.


i had almost the same with hsbc, did an account switch over and they "closed" the account but they didnt close it put me in an overdraft and charged me for a few months before banging a default on my record, funnily after 8 months phoning them and threats from them to close my account if i dont pay it (wish they would) they finally closed it and said they will resolve credit score issue.. which they have not done
____________________
Fin: no matter how much I look at It I can't understand what was going through my head, all I remember is going about 80 and redlining it to stop it seizing.
360 Deg... Five 1/4 turns. :- Teflon-Mike 18 Jan 2015
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