Credit File Amendments

Monksmen

I'm looking to apply for a mortgage sometime at the end of 2020 so I have been trying to get my credit file into shape since the end of 2019 so I have a solid year of good credit habits showing on my file.

I have a credit card (opened Nov 17) with a £800 limit which I have been actively using and paying off monthly in full by Direct Debit. Although, on all 3 of my credit files there also shows another old credit card (opened Jun 17 - closed Dec 18) with a £2,000 as still Active. Note this account also had a default in Nov/Dec 19.
The only other "debt" I have is a £2,400 LOQBOX, which is 4 months in.

Should I get this old credit card recorded as closed on my credit files or just leave it as is as has £0 usage each month and is a long standing account?

My Equifax file is also missing a record of me on the Electoral Role from Jul 16 to Dec 18. Jan 19 to present is correct. Is this worth requesting being amended?

boo_star

Monksmen said:

I'm looking to apply for a mortgage sometime at the end of 2020 so I have been trying to get my credit file into shape since the end of 2019 so I have a solid year of good credit habits showing on my file.

I have a credit card (opened Nov 17) with a £800 limit which I have been actively using and paying off monthly in full by Direct Debit. Although, on all 3 of my credit files there also shows another old credit card (opened Jun 17 - closed Dec 18) with a £2,000 as still Active. Note this account also had a default in Nov/Dec 19.
The only other "debt" I have is a £2,400 LOQBOX, which is 4 months in.

Should I get this old credit card recorded as closed on my credit files or just leave it as is as has £0 usage each month and is a long standing account?

My Equifax file is also missing a record of me on the Electoral Role from Jul 16 to Dec 18. Jan 19 to present is correct. Is this worth requesting being amended?

If the account defaulted in November of last year then it won't be sorted for 6 years.
Am I missing something here?

Monksmen

boo_star said:

If the account defaulted in November of last year then it won't be sorted for 6 years.
Am I missing something here?

The credit card is showing as still "Active" but it was paid in full and closed in Dec 2018. Inflating my available credit by £2,000.
Looking at it again, I don't actually think it is a default, but just a missed payment for 1 month. Are these the same thing?