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Paid debt showing as outstanding - how do I get this changed?

AgentM_2
AgentM_2 Posts: 62 Forumite
Part of the Furniture Combo Breaker
in Credit file & ratings
Hello

Hoping someone can offer advice. I had a default with T-Mobile which was satisfied via Lowell. Lowell have updated my credit file to say it's paid, but T-Mobile haven't. I contacted them and they say this hasn't been paid. I asked Lowell to contact them and they said they would, but T-Mobile still haven't actioned anything.

Can anyone offer advice as to how I can make them do this?

THANKS :) x

Comments

  • ValHaller
    ValHaller Posts: 5,212 Forumite
    1,000 Posts Combo Breaker
    The default should only ever be recorded by one of them and the earliest date a default is applied should be the one which sticks
    You might as well ask the Wizard of Oz to give you a big number as pay a Credit Referencing Agency for a so-called 'credit-score'
  • fevlo
    fevlo Posts: 203 Forumite
    Debt-free and Proud!
    Sounds like Lowell have put a new entry on your credit report instead of taking over the T-Mobile one.
    Ive got the same issue with DLC at the moment

    [STRIKE]DFD - 24th October 2015[/STRIKE] [STRIKE]DFD - 24th March 2015 [/STRIKE]
    DEBT FREE 24.03.15
  • AgentM_2
    AgentM_2 Posts: 62 Forumite
    Part of the Furniture Combo Breaker
    ValHaller wrote: »
    The default should only ever be recorded by one of them and the earliest date a default is applied should be the one which sticks


    Hmmm. It's certainly on there twice with the exact same start date.

    I've sent a query to equifax, so i'm hoping they might offer some advice!
  • AgentM_2
    AgentM_2 Posts: 62 Forumite
    Part of the Furniture Combo Breaker
    fevlo wrote: »
    Sounds like Lowell have put a new entry on your credit report instead of taking over the T-Mobile one.
    Ive got the same issue with DLC at the moment

    Can you tell me what action your taking to correct it? Thanks :)
  • fevlo
    fevlo Posts: 203 Forumite
    Debt-free and Proud!
    AgentM wrote: »
    Can you tell me what action your taking to correct it? Thanks :)

    So far ive taken the same action as you and disputed it through the credit referance agency.
    Not had a reply yet but they have 28 days and its only been about 12

    I shall raise the complaint directly with DLC if the dispute doesnt get resolved via the CRA

    [STRIKE]DFD - 24th October 2015[/STRIKE] [STRIKE]DFD - 24th March 2015 [/STRIKE]
    DEBT FREE 24.03.15
  • Anoneemoose
    Anoneemoose Posts: 2,276 Forumite
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    I think you definitely need to chase it with the DCA. Assuming you did default with TM (and it sounds likely due to a DCA being involved) then they have recorded the entry correctly.

    I don't believe the DCA should need to record anything to be honest.
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