So, the day of our monthly credit file update is here. Noddle & Equifax - clear as bells, top credit ratings. Experian? For some unexplained reason, a default has decided to re-appear on my file!! With a default date 1 month & 10 days over what it should be. How on earth can this happen?? This has been removed once as I queried the default date a couple of months ago. Is this a ploy of the credit ref agencies to have us keep our subscriptions so we have to keep checking 'just in case'??? Confused & angry instead of elation is how I'm feeling right now. Oh well, yet another query winging it's way to Experian as we speak [:(]
I would think it is more a case of them being slow to update your file more than anything more sinister, but you are correct to query why these entries are still showing Tinks81.
Melanie - it isn't simply a case of it still showing - it's the fact that it reappeared after having been removed a couple of months ago after I queried the default date then! How can it be put back on??? Is that even legal????
I don't think that there is any legality with how the credit files are updated, however this does seem to be a case of incompetance. Ensure that your complaint is marked urgent, and do let us know how this is ultimately resolved.
Hope you get this sorted soon