Help with my clearscore data

dekaspace

According to it this is

You have had at least one account in Default or Repossession (VIRGIN MOBILE TELECOMS LTD, VODAFONE LTD GEMINI and 3 more)
At least one of your accounts has been seriously in arrears (VIRGIN MOBILE TELECOMS LTD, SANTANDER CURRENT ACCOUNT)

Now I have never had a virgin or vodafone phone but had my identity stolen a few years ago so worry it may be this.

And the Santander current account I have never been in arrears bar when someone stole my card details and I got fees.

So one do I need to use Equifax to find the defaults, and two for at least the Santander one what do I say to them to remove the bad data as the transactions were refunded and sorted.

dekaspace

Ok found a link to closed account but some I dont recognise but not only that the ones I do have wrong amounts.

Is there a way to get further details?

Did a bit of further digging there is a few mobile phone ones I don't recognise but also a few disputed debt though at least one should be barred, its the famous Lowell ones, for a 3 contract I cancelled in 2009 and made last payment around May according to the website I made payments ongoing from 2008 to 2012(which I hear is a common Lowell lie)

Another is for 2 bank accounts where I was the victim of stolen cards, 1st the last physical payment was made in April 2010 though I last used the bank card in May I think, what happened was someone cleared my account and made me overdrawn and bank refused to help as one of the places used I previously had bought something with so said it was my fault for giving out card details, either way would that one drop off credit file in a few months anyway?

Second was a stolen card through the post, and despite having about 50p in my account and a basic electron card they let a £70 transaction go through meaning I was like £69.50 in credit and again complaint got nowhere, regardless how did they let such a big transaction go through at the time I don't know but that one is strange as it shows 2 missed payments then a final "payment" in 2012 and balance is £0 does that mean nothing to owe?

Another entry for 3 which was showing £0 balance but 2 missed payments this was due to a messed up upgrade where instead of upgrading me from sim only to sim and phone they started a new contract and charged me both and I complained.

There is also another Lowell debt but no idea what its for and a Vodaphone and Virgin mobile contract.

Also some of the address entries are strange, one of my closed accounts with £0 balance (was closed 6 years ago according to the site) shows an address I didnt move to till 2013 so 3 years later

Final thing is I have only 1 credit card and even my credit used is the same as my credit limit on the score site but the website says I have 2 (1 closed about 4 years ago)

Well one more it says credit utilization high, I use my credit card to buy things then pay off in full at end of month, I thought this was meant to be better than not using it at all?

Or is it better to use part of the limit and pay that in full?

redux

I've noticed in my Clearscore account that some of the info is a bit inaccurate. To begin with I thought one account history was completely spurious, but then I realised the dates of closed accounts can be shifted by a few years.

As for the disputes, you'd have to resolve these with the companies in question. In view of what I said in the first paragraph it might help you clarify details to get the Equifax report for their £2 fee, and maybe the others as well.

A4445

Mines not accurate either....it's says I have no defaults but I have one defaulted account! Shows on the proper Equifax account!