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A mortgage lender has much more discretion on when to record a default, but it should generally not be later than six months after any repossession.
Your credit file will normally show a default marker each month afterwards until the debt is settled – but in the credit scoring this is only counted as one default.
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If the original creditor didn’t report to a credit reference agency at all (this is unusual) then the debt collector should apply the same ICO rule that the original creditor would have used.
If you have had a CCJ registered for that debt, the default date must be earlier than the date of the CCJ.
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