Credit cards - Default not removed
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- Negative information (e.g. a default) typically stays on your credit file for 6 years.
- If you believe an error has occurred, ask your bank to check the issue and update the credit bureau with the correct information.
- You may also wish to contact the credit bureau directly to inform them of the error.
Where available we include the Internal Ombudsman of a bank in the escalation process. This is in-line with the FCAC complaints process guidance:
If you already have a final response from your bank that is not to your satifaction, you can choose to escalate for a Third Party Review regardless of whether you have been to the Internal Ombudsman.
We have 1,264 pages of rights advice for you covering 286 companies and organisations across 6 public & private sectors. Feel free to browse companies for this specific issue - they're all listed below - but the quickest way to find the best rights for you is by using our unique Rights Finder to access our extensive database of advice.
Start by telling us the name of the company or organisation you have an issue with.