Removing a default from my credit score

Garethjj7

Hi, I posted a few weeks ago about getting a negative removed from my report and I was told To contact the creditor directly as I wasn't sure if I had an account with them, I have done that and they said my account with them has been closed.

So can anyone help on how I get this removed from my credit file?
Also it says I'm connected to my ex partner can I get her removed to?

Thanks in advance

National_Debtline

Hi Garethjj7,


I have looked at your previous threat about this, and just wondered if your credit file show that Studio recorded the default or a debt collector? If it is Studio I would suggest you write to them (not call) and send a clear outline of the problem and based on the fact that the default is registered in the last 6 years they should be able to prove this debt is yours and money is outstanding or remove the default. If it is a debt collector that has recorded the default - you can do the same thing.


I would also suggest that you check all 3 files as information can slightly vary from each file which may help clarify things.


You make a request to financially disassociate from someone with Experian, there should be a form you can complete on their website.


Laura
@natdebtline

Garethjj7

This is what it says on my credit file


You have had at least one account in Default or Repossession (EXPRESS GIFTS - STUDIO)