How to Remove a Default Notice from Your File

A default notice is placed on your file when you fail to keep to a credit agreement, and is usually a result of repayments being missed for more than a month or two.

A default notice on your file is more serious than a late payment entry, as it implies that attempts to contact you to arrange payment have failed, and that the amount owed is effectively a bad debt.

When you sign a credit agreement, you are agreeing that the bank or lender has the right to put these notices on your file if necessary, and so to have them removed you need their cooperation.

Basically, you need to resolve the situation with the credit company, by one of:

Whichever of the above applies to you, to clear the default from your file you need to write to the creditor and ask them if they are willing to remove the notice, now that the problem has been cleared up.

If you are successful in this, they can send you a letter stating that the default is no longer applicable, although they may charge you an administration fee for this.

Once you receive this letter, send copies of it to the credit reference agencies, who can then remove the default notice from their records.

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