When can a default be listed on my credit file?

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Credit

Question: When can a default be listed on my credit file?

Answer: A credit provider may only list a default on your file if 60 days has elapsed since the day on which the payment was due and payable and if the credit provider has taken steps to recover all or part of the amount outstanding.

The credit provider must also have written to you at your last known address and advised you of the overdue payment and requested payment of the amount outstanding.