Credit file

hannahkaty

Hi,

I'm checking my credit file as i recently inherited a bit of money and want to clear what debt i have and I have a lot of questions about what i am seeing on my file! (apologies in advance!)

Currently my file shows (noodle and experian):
634 for an old capital one card, to cabot credit as original default 31/07/12. This is showing default payments in 2018 even though this debt was transferred to robinsonway and i have been paying this is off and have a balance of 534 .
Question 1: Should i dispute the detail on the Cabot record? How can i still be defaulting on this account if they've sold to another collector? (sorry if that's not how it works, i have no idea!)
Question 2: Why doesn't Robinsonway show up on any of my files?

On my Noodle report I can see a satisfied payment to Lowell Portfolio which I settled in 2016. However on Experian, it's showing still showing as defaulted and a balance of 259
Question 3: Should I dispute this? It does have a default satisfaction date on Experian but it's still showing a balance?

Also on my noodle report it's showing two old CCJs both from 2014, but they're not showing on Experian for some reason ( i guess i should be happy about that?).
Question 4: Will these drop off my record in 2 years? I am fairly sure I am paying one of these off now with debt collectors now, is it worth me just paying off the outstanding to get them marked as satisfied before they drop off?Or just wait for them to drop off?
Question 5: Related to the above how do i find out who the CCJ was with? (eg, HSBC, Capital..?) so when/if i do seek to satisfy the debt i can make sure i'm not paying anything additional than what i've already paid off with a collector.

Thanks for all your help!

[Deleted User]

1. The monthly defaults are status updates and correct.

2. Robinson Way are collecting the debt. They may not own it.

3. You could but it makes little difference as long as settled.

4.They drop off 6 years after applied. The sooner paid, the better.

5. Query with the CRAs. Failing that, the courts.

Lastly, also check Equifax so you have a full picture. And it's Noddle, not noodle.

hannahkaty

Thanks for your help! And yes, my phone likes to auto correct to noodle and i've just given up trying to change it.

Re, point 2: Should i contact Cabot to settle that debt if it's showing on my files as still defaulting with them?