Default from paid bill

3 Posts
I have recently looked at my credit report for the first time to see if I could be eligible for a mortgage. On the report I was surprised to find a default of an old orange phone account that I wish to dispute and would like removed to apply for a mortgage.
I recall that in 2013 when I was working away from home and my letters were not forwarded to me properly an orange mobile bill had been passed on to creditors. As soon as I detected this bill I paid the amount immediately in full and have a copy of the transaction on my bank statement from the time.
As I paid the amount I am confused as to why my credit report still mentions a default, as surely a default means non-payment. Is anyone able to explain for this and knows if I have any grounds to dispute this default to be stricken from the records and how such a thing could be achieved?
Unfortunately, apart this one item I completely satisfy all the other 19 requirements for a mortgage I had hoped to apply for immediately. Hence, please can I ask if anyone is able to give their opinion on how not satisfying this 1 requirement out of 20 could affect my chances of being approved for a mortgage?
Thanks.
I recall that in 2013 when I was working away from home and my letters were not forwarded to me properly an orange mobile bill had been passed on to creditors. As soon as I detected this bill I paid the amount immediately in full and have a copy of the transaction on my bank statement from the time.
As I paid the amount I am confused as to why my credit report still mentions a default, as surely a default means non-payment. Is anyone able to explain for this and knows if I have any grounds to dispute this default to be stricken from the records and how such a thing could be achieved?
Unfortunately, apart this one item I completely satisfy all the other 19 requirements for a mortgage I had hoped to apply for immediately. Hence, please can I ask if anyone is able to give their opinion on how not satisfying this 1 requirement out of 20 could affect my chances of being approved for a mortgage?
Thanks.
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Responsibility is ultimately on you to make sure the bill is paid each month.
The fact of the default goes on you credit report, and paying a default does not undo that historical fact. It just results in it being marked as a satisfied/pad default.
Unless the mobile company did something wrong their end, it stays for 6 years from the initial recorded default date.
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
Also given this is just one of the 20 requirements that I fail, understandably a very big one, does it mean there is no hope of getting a mortgage?
If it hasn't, then make a formal complaint to the company listed on your report now as the creditor.
AS said though, marking as satisfied will not remove the original default and default status.
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed