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  • FIRST POST
    • greenlightluke
    • By greenlightluke 17th May 17, 7:24 PM
    • 144Posts
    • 34Thanks
    greenlightluke
    Removing default after fraudulent application
    • #1
    • 17th May 17, 7:24 PM
    Removing default after fraudulent application 17th May 17 at 7:24 PM
    Hey,

    Funny story: so I get my credit score every month via Barclaycard and it was 800+ then shot down suddenly to 400, then to 200. I didn't think anything of it (stupid me) but I thought it was just a number and paid it no mind.

    So I recently discovered via a phone call from a debt collector that I've had 2 Tesco contracts taken out in September 2016 in my name - as I wasn't aware of the debt it has naturally defaulted.

    I contacted Tesco and gave them all the relevant details and received a text today from O2 to say that they have cancelled the Tesco accounts, my credit file will be updated shortly and I will receive a letter.

    Now I'm going to assume that they will remove the defaults from my credit files - will this increase my score to where it was or because I defaulted (regardless of how) my score will remain in the 200's?

    I understand that if you default it stays on the account for 6 years, is this the same if it was fraud related?

    Thanks in advance.
    First Direct Loan: 4100 remaining
    AMEX: 1300 remaining.
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