collection agency, Old default account

mike2017

hi everyone,

I recently received a letter from Lowell regarding the debt I have to Vanquis credit card. The default date according to Experian reference agency is 29/03/2013. I did not contact Lowell or Vanquis I received this right after I checked my credit file. On that letter I was offered a 50% discount, I have no problem paying that debt but I want it (Default account) to be removed from the credit file. What is the best approach in this situation to remove the default?



thanks in advance,
Mike.

[Deleted User]

You could ask them, but it's unlikely they'll remove it if it is accurate.

sourcrates

Your credit file has to reflect how your account has been managed.

Removing defaults, whilst not impossible, is exreamly unlikley.

mike2017

Thanks for reply,


should I ask Vanquis or Lowell to remove it? with which one I have more chance?

sourcrates

mike2017 wrote: »

Thanks for reply,


should I ask Vanquis or Lowell to remove it? with which one I have more chance?

Whoever registered it, can remove it, but might not now be the company you owe money too.

fermi

mike2017 wrote: »

Thanks for reply,


should I ask Vanquis or Lowell to remove it? with which one I have more chance?

If it is Lowell's name now, they have the ability to removed it. They may try to deny this (they have with people in the past, then changed their mind when a formal complaint is made ).