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Are two missed payments a default on my credit file?

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Are two missed payments a default on my credit file?

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It can take up to 28 days for your credit file to be updated so check again after this time period has passed. If it has already passed then contact the lender and ask them to forward on the updated details to the credit reference agency.

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Contact the company who hold the credit file as you have a legal right to have a comment added.

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