finding £4 default...

workinonit

I'll be honest, I thought I'd just about put my debts behind me. I cleared my last balances just over a year ago, business is good and it's time to buy a flat.

I'm putting down 15% on a £300k place, my affordability shouldn't be an issue, my income is now in 6 figures, zero borrowing, no dependents etc etc

A fly in the ointment though. There's a default showing as current for £4. Yup, £4.

I have no idea what it is, it's not on my credit file that I can see, and the mortgage guy isn't able to see where it is from.

Anyone know where to start if it's not showing on experian or equifax?

I'm fortunate enough to have worked my way through my life on debt plans, but I can't wait for the day I can live like they never existed.

cpjackso

You'll need to sign up for all 3 credit reference agencies - equifax, experian and call credit... Equifax and experian can be done via quidco to get a 30day trial and some cashback. Use noddle.co.uk to get life-time access to call credit data for free.

You'll find each agency has a slightly different set of data.

Once you've got your accounts - you will need to dig through each account to see if ANY have Default listed against them, Settled debts are often listed as green/tick but have a Default listed within them.

You might have already done that - but worthwhile saying just in case...