BCW Experian default

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BCW Experian default

Postby dandan82 » Fri Jan 03, 2014 8:41 pm

Hi guys,
This is my first so please don't be harsh with me :? I've spent the last few years trying to fix my credit report and today i checked my report and I have a Default from BCW. This is the only default or adverse thing on my file and I am wondering what to do about it. I've read a few posts on here and there is a 3 letter process, Would this be the thing i should do with BCW.
Thanks in advance for any help/input.
Daniel
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Re: BCW Experian default

Postby letissier14 » Fri Jan 03, 2014 9:32 pm

More info required
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Re: BCW Experian default

Postby dandan82 » Sun Jan 05, 2014 8:49 pm

Hi,
Thanks for the reply. It says
Account type: Home credit
Default balance: £227
Dafault date: 6/12/2010 Last updated march 2013

I'm guessing its from a provident loan years ago when the lady stopped coming round then i moved house. I've not had any letters or anything though from bcw. its just on my experian file

Thanks
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by Advertising » Mon Jan 06, 2014 11:34 am

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Re: BCW Experian default

Postby letissier14 » Mon Jan 06, 2014 11:34 am

The choices are this;

Leave it as it is and it will fall off your credit file 6 years from the date it was put on there.

Contest it and have a long fight with the DCA

Or make an offer to pay off the outstanding balance on the condition they remove the default

It all depends how much you need that clean credit file

The choice is always yours.
The best teachers are those who show you were to look, but don't tell you what to see.

Those who have changed the universe have never done it by changing officials, but always by inspiring the people.
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Re: BCW Experian default

Postby mareo » Mon Jan 06, 2014 2:42 pm

As above, but when you know what to do you will probably ignore & bin for that amount, will not stop other DCA's trying from time to time whatever you do do
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Re: BCW Experian default

Postby dandan82 » Mon Jan 06, 2014 8:22 pm

Thanks for the reply's.

Much appreciated
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