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Incorrect Default On Credit File.
Gavin_M_2
Posts: 5 Forumite
Firstly I'm new to the site, apologies If this post is in the wrong section.
I recently spotted on my Experian credit file a default (£135) on a O2 phone contract. This was a contract which began in March 2004 and finished a year later 2005. I had absolutely no idea about this. I was never contacted from O2 or a collections agency to my knowledge. The default was dated 2006, a year after the contract ended.
On calling them to ask about this account the customer service advisor said there was nothing owed on this account it looked a mess. He even mentioned that it said I'd been made bankrupt which Is nonsense. I've emailed their credit file referral department to straighten this out. He told me I'd done nothing wrong to his knowledge.
So they have left me with a default on a account with nothing outstanding on it. If they, and it looks like it, have messed up will they completely remove this default from my file and compensate me for the difficulties I've had getting credit? This is the only black mark on my name and I feel hard done by.
Has anyone had similar experiences to this, I assume this default has ruined my credit chances since 2006.
Gavin
I recently spotted on my Experian credit file a default (£135) on a O2 phone contract. This was a contract which began in March 2004 and finished a year later 2005. I had absolutely no idea about this. I was never contacted from O2 or a collections agency to my knowledge. The default was dated 2006, a year after the contract ended.
On calling them to ask about this account the customer service advisor said there was nothing owed on this account it looked a mess. He even mentioned that it said I'd been made bankrupt which Is nonsense. I've emailed their credit file referral department to straighten this out. He told me I'd done nothing wrong to his knowledge.
So they have left me with a default on a account with nothing outstanding on it. If they, and it looks like it, have messed up will they completely remove this default from my file and compensate me for the difficulties I've had getting credit? This is the only black mark on my name and I feel hard done by.
Has anyone had similar experiences to this, I assume this default has ruined my credit chances since 2006.
Gavin
0
Comments
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Yes the default will be having an impact on your credit file.
Have you always lived at the same address as the contract was taken out in?
You need to ask (demand) that the default is removed from your credit file - only if o2 put it on only they can remove this. If you are having difficulties getting it removed - this letter may help (its for a different situation but may help with the wording of your letter).A smile enriches those who receive without making poorer those who giveor "It costs nowt to be nice"0 -
Yes the default will be having an impact on your credit file.
Have you always lived at the same address as the contract was taken out in?
You need to ask (demand) that the default is removed from your credit file - only if o2 put it on only they can remove this. If you are having difficulties getting it removed - this letter may help (its for a different situation but may help with the wording of your letter).
Yeah, I'd been at the same address until this year. I wonder if I could get a iPhone out of them?
What letter mate?0 -
Sorry - meant to include a link - http://forums.moneysavingexpert.com/showthread.html?p=26867889#post26867889A smile enriches those who receive without making poorer those who giveor "It costs nowt to be nice"0
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