{"links":{"self":"https://petition.parliament.uk/petitions/759301.json"},"data":{"type":"petition","id":759301,"attributes":{"action":"Mandatory caps on how long defaults can appear on a credit report","background":"Introduce new caps on the length of time a default can stay on your credit score depending on reason. Some people end up with defaults on the score due to unforeseen illnesses and resulting in being out of work and then struggle to get back on the ladder","additional_details":"I think the people who are ill or need emergency care who have worked all there life to build a good credit score can have it ruined from one default that stays on your report for 6 years resulting in people finding it harder to get a mortgage, car and finance etc when it was no fault of their own.","committee_note":"","state":"open","signature_count":23,"created_at":"2026-01-29T21:07:08.941Z","updated_at":"2026-04-09T12:15:00.000Z","rejected_at":null,"opened_at":"2026-03-20T13:47:17.886Z","closed_at":null,"moderation_threshold_reached_at":"2026-01-29T21:18:00.000Z","response_threshold_reached_at":null,"government_response_at":null,"debate_threshold_reached_at":null,"scheduled_debate_date":null,"debate_outcome_at":null,"creator_name":"Anna Nicholson","rejection":null,"government_response":null,"debate":null,"departments":[{"acronym":"HMT","name":"HM Treasury","url":"https://www.gov.uk/government/organisations/hm-treasury"}],"topics":[],"signatures_by_country":[{"name":"United Kingdom","code":"GB","signature_count":23}],"signatures_by_constituency":[{"name":"Bournemouth West","ons_code":"E14001116","mp":"Jessica Toale MP","signature_count":1},{"name":"Bracknell","ons_code":"E14001117","mp":"Peter Swallow MP","signature_count":1},{"name":"Ellesmere Port and Bromborough","ons_code":"E14001222","mp":"Justin Madders MP","signature_count":1},{"name":"Feltham and Heston","ons_code":"E14001236","mp":"Seema Malhotra MP","signature_count":1},{"name":"Gateshead Central and Whickham","ons_code":"E14001244","mp":"Mark Ferguson MP","signature_count":1},{"name":"Gillingham and Rainham","ons_code":"E14001246","mp":"Naushabah Khan MP","signature_count":1},{"name":"Hyndburn","ons_code":"E14001299","mp":"Sarah Smith MP","signature_count":1},{"name":"Jarrow and Gateshead East","ons_code":"E14001307","mp":"Kate Osborne MP","signature_count":2},{"name":"Kingswinford and South Staffordshire","ons_code":"E14001316","mp":"Mike Wood MP","signature_count":1},{"name":"Luton South and South Bedfordshire","ons_code":"E14001346","mp":"Rachel Hopkins MP","signature_count":1},{"name":"Mid Buckinghamshire","ons_code":"E14001360","mp":"Greg Smith MP","signature_count":1},{"name":"Newcastle upon Tyne North","ons_code":"E14001379","mp":"Catherine McKinnell MP","signature_count":1},{"name":"Newton Abbot","ons_code":"E14001381","mp":"Martin Wrigley MP","signature_count":2},{"name":"North Durham","ons_code":"E14001389","mp":"Luke Akehurst MP","signature_count":4},{"name":"Rochester and Strood","ons_code":"E14001447","mp":"Lauren Edwards MP","signature_count":1},{"name":"Washington and Gateshead South","ons_code":"E14001567","mp":"Mrs Sharon Hodgson MP","signature_count":2},{"name":"Widnes and Halewood","ons_code":"E14001584","mp":"Derek Twigg MP","signature_count":1}],"signatures_by_region":[{"name":"North East","ons_code":"A","signature_count":10},{"name":"North West","ons_code":"B","signature_count":3},{"name":"West Midlands","ons_code":"F","signature_count":1},{"name":"East of England","ons_code":"G","signature_count":1},{"name":"London","ons_code":"H","signature_count":1},{"name":"South East","ons_code":"J","signature_count":4},{"name":"South West","ons_code":"K","signature_count":3}],"other_parliamentary_business":[]}}}