How to Get a Default Removed from your Credit File

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[kraig]

Is it worth thinking about ways to remove a default that’s going to be removed 1 year from now?

[terrycollier]

Those parasites at Cabot dumped a default notice on my credit report because i refused to pay them. I explained that i don't owe anything to them or the credit card company they bought this non existent debt from. I booked a hotel. It was nothing like what they advertised. It was a slum. I pointed out that the law clearly says the customer is entitled to a full refund if goods or services that are not as described. So i don't see how they managed to dump this on me. I told them if they don't remove it i will sue them for damages.

[jumbyjumb]

Hi, love the videos and have just subscribed.
I have a question, I defaulted on a few loans last year which I now have arrangements to pay back to the lenders but I am not accruing interest.
Question is - will this stay on my file for 6 years from the date I defaulted or from the date I pay of the remaining balance?
Thank you in advance

[rdansmit]

Hi,
I was given a default after missing one payment in Jan 2022 I paid February and March and then missed April, the default process I now know was underway! I paid mays payment and then the default was added to my credit report May 17th with only 1 months arrears showing on my account.
Looking back I stop have challenged it at the time but I didn’t understand they should have waited for a minimum of 3 months before starting the default process.
Do you think I have grounds to have this default removed ? My debt was sold onto PRA which I paid off within 12 months with a balance of 13k

[mytourandtaste]

Any dept write off option without effecting your credit history for 6 years. If anyone knows please reply back thanks

[reilly]

im 25 years old i had a default from 05/06/2020 my credit score now is 694, im wondering if i would be able to get insurance on monthly payments for my car? but dont want to risk trying and lowering my credit score!