Removing a credit default can be a challenging process, but it is possible. Did you know that after paying the default it can stay on your file between 5 to 7 years!

1. Check your credit report: The First Step Homes  step is to check your credit report and make sure the default is accurate.  If there are errors or inaccuracies on your report, you can dispute them with the credit reporting agencies.

2. Contact the creditors: If the default is accurate, try contacting the creditor who placed the default on your credit report.  Explain your situation and try to negotiate a payment plan or settlement agreement. If you can come to an agreement, ask the creditor to remove teh default from your credit report. Get this in writing!

3. Wait it out: If you can't get the default removed, you may have to wait until it falls off your credit report.  In most cases, as default will stay on your credit report for five years after you have paid it off.  During this time, make sure you pay all of your bills on time and keep your credit utilisation low to help improve your credit score. 

It's important to note that removing a credit default is not always possible.  However, take steps to improve your credit score and financial situation can help you get back on track and improve your creditworthiness in the long run.

Trusted Credit Repair Lawyers

Considering a credit repair company!
Our trusted lawyers can help you to remove a credit default. They will review your credit report, identify any errors or inaccuracies, and work to have them removed for you. 

*  Our specialist Lawyers remove 9 out of 10 Defaults.
* Most removal resolutions within 30 days