Bad Credit Rating

docjay1978

Hi there, wonder if anyone can help.

Have a red flag with EE on my credit check which dates back to 2007, although I paid EE (at the time they were Orange) back in 2008. Have had numerous different debt recovery companies try to get this money off of me and it is now listed under a debt recovery agency on my credit report. EE have no record of an outstanding debt owed to them, but I can't get the bloody thing off my record!

Any suggestions?

J

CKhalvashi

Write to all three CRA's with a notice of correction, in no more than 200 words, and flag a dispute with them at the same time.

The NoC can be as simple as 'please see my records, to indicate from EE that there never was an outstanding balance', assuming you have this in writing.

CK

Tixy

What is the red flag you mention?

Do you mean there it is listed as a default? if so does it still show as an outstanding balance or does it show that there is no balance outstanding?

If you did default but then paid a few months later it is correct that the default still shows on your file but it should show as satisfied.

If it still shows as outstanding then contact the debt collection agency as listed on your report and state to them that the account was paid in full in 2008 to Orange and that you require them to remove the entry from your credit files.

If there is a default dated in 2007 then it will drop off your credit file very soon (as they only show for 6years) regardless of whether it shows as paid or unpaid.

docjay1978

Thanks for replies so far.

Have been away overseas for the month, but now pulled up credit file and can give more info.

It is a notice of default on both callcredit and Equifax. Account is listed as a communications supplier (this combined with the date of account opening is how I know it's T-Mobile) but name of account is Sigma Red (assume these are debt collectors, have never had any letter from them), there is an outstanding balance of 241 pounds, a figure which doesn't match any of the letters I had previously received from debt recovery companies.

Interestingly the default date reads January 2011, which I hadn't notied before and I find mystifying, as I spoke to EE about this in mid 2010 to clarify what the debt I supposedly still owed them was - at that time they had no record of it, only that the account was closed.

It is completely stopping me from getting any loans or credit cards at present which is a real pain in the backside.

Any more thoughts?