DEFAULT
REMOVAL
PLATFORM.
Incorrect defaults block mortgages, credit, and rentals for 6 years. We challenge them with professional dispute submissions — directly to creditors, all three CRAs, and the Financial Ombudsman.
Credit Score Impact
Fixed Fee
£495
Per default · Plans available
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Strong
Most Cases
3–6w
Avg Time
1,500+
Removed
Default Categories
What Type of Default Do You Have?
Each default type has different legal grounds and removal strategy. Identify yours to understand the route forward.
Incorrect Amount
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No Default Notice
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Already Paid Debt
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Disputed Debt
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Fraud or Identity Theft
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Creditor Misconduct
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Data Journey
How Defaults Flow Through the Credit System
Understanding how credit data moves — and where we intervene — is key to effective removal. Tap each stage.
System
Creditor
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System
Experian / Equifax / TransUnion
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FixMyFile
Challenge Filed
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Investigation
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Removal / Correction
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Error Analysis
The Most Common Default Errors
These are the mistakes creditors and CRAs make most frequently — each one is a valid ground for removal or correction.
Wrong Default Date
The date of default affects when it drops off your file. Even a few months difference can mean years of unnecessary damage.
Duplicate Defaults
The same debt recorded twice — by the original creditor and a debt purchaser — creating double the negative impact.
Post-Settlement Default
A default recorded after the account was settled or a repayment plan agreed — often a procedural error by the creditor.
Missing Default Notice
No valid DN served before the default was registered. A direct breach of Consumer Credit Act s.87 requirements.
Wrong Account Number
The default is linked to the wrong account or person — a data accuracy issue under UK GDPR Art.16.
Incorrect Balance
The registered default balance includes charges, PPI, or interest that was not legally applicable to the account.
Case Assessment
Quick Default Assessment
Question 1 of 5
Do you have a default on your credit file?
Our Process
How Default
Removal Works
Our proven process — from eligibility review to clean credit file across all three CRAs.
Free Eligibility Check
5 minsQuick 5-minute assessment to identify grounds for default removal.
Default Notice Review
Same dayThorough examination of default notices for errors, procedural issues, and regulatory non-compliance.
Case Strategy
24–48 hrsWe identify your strongest legal grounds — CONC, GDPR Art.17, or dispute-based removal.
Challenge Letters
24–48 hrsProfessional dispute letters to creditors and direct submissions to all three CRAs simultaneously.
Creditor Negotiation
OngoingWe handle all creditor responses, negotiate goodwill removals, and manage ICO or FOS submissions.
Removal Confirmed
3–6 weeksDefault removed and verified across Experian, Equifax, and TransUnion.
Real Cases
Default Removal Case Studies
Client Results
Real Default Removals
"Three defaults removed in 5 weeks. My credit score improved dramatically. Life changing."
"Defaults from 4 years ago were blocking everything. FixMyFile got them all removed."
"Couldn't rent a flat or get a phone contract. Now all defaults are gone."
Pricing
Simple, Fixed-Fee Only
One fixed fee per default. No hidden charges. Full service from assessment to outcome.
FAQs
Default Questions Answered
A default is recorded when you miss payments and the lender formally registers a default notice. It stays on your credit file for 6 years and severely damages your ability to get credit, mortgages, or rental agreements.
Yes — if applied incorrectly, if the notice was not properly served, if the debt is disputed, or if the creditor failed to follow CONC regulations, we can challenge and remove it at any time.
The most common are: no valid default notice served, incorrect amount, debt already settled, fraudulent account, incorrect default date, duplicate entries, and creditor failure to investigate a dispute.
We submit disputes to all three major CRAs simultaneously — Experian, Equifax, and TransUnion — so the removal is complete across your entire credit file.
We escalate formally to the Financial Ombudsman Service (FOS), which can order removal and award compensation. We also escalate to the ICO for data protection violations where relevant.
Yes. If we cannot achieve removal after exhausting all reasonable avenues including FOS escalation, you receive a full refund subject to our Terms & Conditions.