Credit Score assistance

SueF_4

Having applied for a business loan in August and being turned down I registered with Credit Expert (Experian) to find the reasons why and found a default on my file from earlier this year with Activ Kapital for £55 from an account I'm convinced I had paid when I was living at a previous address I moved out of over 2 years ago (I'm not able to get documents relating to the original credit agreement because they were with my ex-husband who destroyed everything of mine). Several emails and conversations later with both Activ Kapital and Credit Expert and I found the problem was the final payment which they said I had not made, so which I paid immediately over the phone. Credit Expert agreed to put a note on my file, because I explained what had happened and that I had paid the overdue amount and they were writing to Activ Kapital for their agreement to amend my file.

I later received an email reply from Activ Kapital saying that they were writing to Credit Expert to update my file.

I received an email reply from Credit Expert to say they would amend my file whilst awaiting a response from Activ Kapital.

I applied yesterday (16th october) for a credit score and the Activ Kapital report had been taken off, and my score was "917 Good - low risk borrower".

Just to double check I applied again this morning (17th October) because on checking my report again, Activ Kapital had reappeared and although it said "Satisfied" it still had DEFAULTED as the "Most recent status". Today my credit score had gone down to "573 Poor - high risk borrower".

Everything else on my credit file, without exception, is up to date.

Has anyone any idea what I can do because this is affecting both my business and personal life and I'm at the tearing my hair out stage.