We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Credit for someone else, now defaulted

Options
2 years ago I agreed to help a friend out and get a mobile phone contract for him and then get the name changed later.
I remember getting a bill reminder for this account and contacting both orange and the "friend" who then change the account to his name.
I had not heard anything since.
I have twice in 1 year been refused credit and have after the 1st refusal made sure I had no bank charges or late payments and was suprised to be declined again.
I looked at my credit report and an amount of £128 default since Nov 2014 with "gone away" is on my file.
I had no further bills from orange. No further communication since the name was changed. That person is not a linked contact/ associate on my report.
Is there anything I can do?
If the friend speaks to orange/ EE , would they rectify and take this off my report.
If I pay the amount myself would they be likely to remove this default from my file.
If not, would this be affecting my mortgage chances for 6 years?
Thanks for any help.

Comments

This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 350.9K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.5K Spending & Discounts
  • 243.8K Work, Benefits & Business
  • 598.7K Mortgages, Homes & Bills
  • 176.8K Life & Family
  • 257.1K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.