Default date
Debt, arrears & collectionsThe date a lender records an account as in default on your credit file.
Overview
The default date affects how long the entry stays on your report.
It is usually linked to sustained missed payments.
Why it matters
- It determines when the default will drop off your report.
- It affects how lenders view the recency of the issue.
- It can influence recovery timelines.
FAQs
Can I change a default date?
Only if it is incorrect. You can dispute errors with the lender and agency.
Does paying the debt change the default date?
No. Payment changes the status but not the original default date.
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