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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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  1. She released several singles in 2006–2009 under the name "Mila J" and then went on a hiatus for a number of years after the shelving of her original debut studio album, Split Personality, before returning as "Japallonia" in 2012 and then reverting to Mila J. Through Stokes, Mila auditioned for and starred as a dancer in Prince's "Diamonds and Pearls" video, released in 1991.

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