Default I wasn't aware of?

MoneyEM

really? wrote: »

Bit late to the party, but I’ve read on here that different credit providers use different credit reports –sometimes independently (there’s a whole article designated to it somewhere)-, so if you apply for a company who only checks with Experian then you’ll probably get accepted for credit because your default isn’t showing on your Experian report, this -I suspect- is part of the reason you were able to obtain credit in spite of it being on one of your files.
I assume that since you rang them it has been logged on your file and this loophole is now closed?
I’ve also read on here that some credit providers are more lenient towards telecommunications defaults? So that might be worth looking into.
Also keen to hear how you got on with getting the default wiped from your record by Virgin?

Well it wasn't originally showing on any of my files due to the addresses I had entered did not match up to this default as I had actually moved to two different addresses by time this account had defaulted!

I have just posted a new thread about my success with VM, they have agreed by email to remove it from my file within 14 days :T:j

https://forums.moneysavingexpert.com/discussion/5420795

robin58

MoneyEM wrote: »

I'm not really sure what you are getting at here...

http://www.moneysavingexpert.com/loans/what-credit-scores-mean

MoneyEM

update for everyone;

The default has been removed from my file and now my score is showing as 992. :T:j

I've also just had an offer accepted on a flat so i'll be needing to apply for a mortgage now so good timing too!

chuckley

it's your debt since you never bothered to officially close it.

if you had asked it to be transferred into another name, surely you would've had something in writing from both sides?

chalk it up to experience. similar happened to me at uni, when they refused to pay for the 'summer months', so I got it installed the following year directly to my room. and left them to work out how to get access to the net between them.