debt free wannabe, baby on way, inaccurate creit report

tangomegadeath

Hey all,

firstly

:T

to you all. You've made my life sooooooo much easier over the last few years so thank you.

Secondly, I hope this is in the right forum?


So I've just viewed my credit report for the first time in several years and I have an account with Black Horse (now closed thank God) that shows a massive ammount of arrears on it.

Now this wasn't my fault as at the time I asked for a settlement figure which
was given to me as £500 lower than it should have been.:mad:

They then used the amount I payed as the monthly repayments for 20 months.
After this of course I went into arrears and accumulated the following:

6 x one month arrears
5 x two month arrears
3 x three month arrears

I eventually paid the whole thing off and thought it forgotten about.
Until now.

This has impacted my credit-worthyness and I'm paying more than I should for credit cards and the like.

I desperately want to be debt free within 3 years but this will all stay on my record until 2013 at the earliest.

How do I tackle this?

Thanks in advance for your help.

Dave.

ps. Annoyingly I don't have the documents sent to me by Black Horse - I've moved several times since then. Lesson learned.