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  1. #1

    Default Credit Report

    Hi All

    I defaulted on A credit agreement about 2 years ago. a company called yes car credit if anyone herd of them.

    the debt is now with a company call go debt who I have agreed monthly payments with for just over a year now however, they are now requesting an increase in payments or, to settle the debt.

    My question is, this debt is not on my credit report, i have other debts which are but this one is not!

    I'm looking at settling but when i asked the creditor why this was not on my report they could not answer me? is it just me or does sound a bit funny?

    Regards

    Paul

  2. #2
    Join Date
    Apr 2008
    Location
    Texas (Dallas area)
    Posts
    1,404

    Default Re: Credit Report

    Quote Quoting masters270682
    View Post
    Hi All

    I defaulted on A credit agreement about 2 years ago. a company called yes car credit if anyone herd of them.

    the debt is now with a company call go debt who I have agreed monthly payments with for just over a year now however, they are now requesting an increase in payments or, to settle the debt.

    My question is, this debt is not on my credit report, i have other debts which are but this one is not!

    I'm looking at settling but when i asked the creditor why this was not on my report they could not answer me? is it just me or does sound a bit funny?

    Regards

    Paul
    You need to check all 3 credit reports. Just because it is not on one, does not mean it is not on another. Usually collections will only report to one of the three bureaus.

    You can access all 3 bureau reports from experian at;



    http://www.experian.com/

    Be sure you look at all three before you pay.

    Also to check the SOL;

    http://www.suzeorman.com/igsbase/igs...ExpertiseID=24

  3. #3
    Join Date
    Jun 2008
    Posts
    273

    Default Re: Credit Report

    Yes Car Credit is a British company, right? This is a US forum, so the legal knowledge here won't be relevant to UK law.

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