Credit Score..i've Been Shafted!!!

Tootsie_Roll

Tia0101 wrote:

Hi Vofn

I have just experienced something similar with Lloyds Tsb, I had a credit card with them in 2003 which i couldnt afford to pay. I eventually added this to my CCCS payment and never missed a payment until i was able to clear the balance in Feb this year, however i managed to obtain a copy of my credit report yesterdsy and guess what? They have not declared the debt settled and it is showing as a default. I find this unfair as i never missed a payment and began making (agreed) reduced payments as soon as i realised i was in trouble. I rang them but was told i had to take the matter up with Experian. I have faxed them today along with a copy of the letter from Lloyds confirming Full payment in Feb. Hopefully i can get this sorted sooner rather than later.

Honestly, as if we dont have enough to worry about already!!

Hope you get it sorted

Tia xx

You can still have a default notice on your credit file even if the debt is settled - it simply states that there is no more balance outstanding - is this the case with you and the OP ?

Tia0101

Tootsie_Roll wrote:

You can still have a default notice on your credit file even if the debt is settled - it simply states that there is no more balance outstanding - is this the case with you and the OP ?

My credit file actually states that part of the blanace is still outstanding and this is not the case. The account was settled in full in February

Tia xx

Experian_company_representative

This tale certainly highlights the benefits of checking your credit report at least once a year.