Help with a default!!

jemmac85

Hi, im a new poster and looking for some advice..

i checked my credit report and found a default from a debt company.
Not much details. Last 4 numbers of account number, default date and amount. Anyway i contact debt company to find out about this and got a reply back thats totally confused me..

my credit report -
says 1 default with account ending in 1234 (for example) for £225 default date is 11/6/14

Debt company has said we have 2 accounts for you both with THREE

1 default with account ending 9876 for £30 default date 11/6/14
1 account with no default reported for account ending 1234 for £225.



What the heck is that all about? The one that they have defaulted is the completely wrong one? Can i do anything about that to have it removed??

The other Account they seem to have - isnt on my credit report AND ive only ever had 1 THREE account?? There cant possibly be 2 accounts??


Hope that makes some sort of sense??

[Deleted User]

jemmac85 wrote: »

Hope that makes some sort of sense??

Not much.

Check all three of your credit files and see what accounts are there.

Then match them up to accounts you have or have had.

If the data is wrong, dispute it with the CRA(s) in question.

jemmac85

Am i able to make the debt company remove it as they hold incorrect details? Rather than asking credit agencies to check it?

[Deleted User]

You can do both.