Another default found

chelseablue

Me and my partner are just looking at his credit report on Equifax (already checked Experian)


All is fine except a default showing with Virgin Mobile.


It changes from green to red in August 2012, so presume it has been in default since then.


The entry says:


Status; In Arrears
Current balance; £275
Default/Delinquent balance; £304
Date last delinquent: 05/15


They never send him any letters about it so what should he do?


As we are looking to apply for a joint mortgage in the next year or 2 I'm guessing he cant just leave it?

happy_bunny_2

Is it actually defaulted?

Is it actually his and did he default?

chelseablue

happy_bunny wrote: »

Is it actually defaulted?

Is it actually his and did he default?

He says that he did have a contract with Virgin mobile but he's adamant he doesn't owe them anything.


Not sure whether to make contact with them or just leave it

happy_bunny_2

It stays for 6 years from default date.

Worth at least finding out why it's there and if it's legitimate.

Send them a written complaint stating you found the default and require evidence why they are reporting it as he's not aware of defaulting.

HB