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Credit Rating Default & Mortgages
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PinkPepperClove
Posts: 6 Forumite

Looking for some advice on my credit rating.
I have been in dispute with EE for a number of years over the cancellation of a contract. They have admitted their error (over the phone) in not cancelling the account sooner, which left my credit report showing a "Default"
Official complaint was made to them, which they dragged their heals on so I also took it to the ombudsman.
Just this month it is now showing as "Closed" on my Clearscore report but still as a default on my Equifax.
We will be soon be applying for a mortgage and even though my report is still "Very Good" I believe I am being impacted by this incorrect default and our mortgage advisor has said it limits our number of lenders.
Does anyone have any experience with this? Is Equifax taking longer to update? (which I find bizarre as they are the same company)
Is it even possible to have a default removed, can it be shown as settled? (which is annoying as I didn't pay anything to settle the debt)
Any help greatly appreciated!
I have been in dispute with EE for a number of years over the cancellation of a contract. They have admitted their error (over the phone) in not cancelling the account sooner, which left my credit report showing a "Default"
Official complaint was made to them, which they dragged their heals on so I also took it to the ombudsman.
Just this month it is now showing as "Closed" on my Clearscore report but still as a default on my Equifax.
We will be soon be applying for a mortgage and even though my report is still "Very Good" I believe I am being impacted by this incorrect default and our mortgage advisor has said it limits our number of lenders.
Does anyone have any experience with this? Is Equifax taking longer to update? (which I find bizarre as they are the same company)
Is it even possible to have a default removed, can it be shown as settled? (which is annoying as I didn't pay anything to settle the debt)
Any help greatly appreciated!
0
Comments
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Now you've escalated to FOS, it's going to be more difficult to get it resolved quickly.
Your broker needs to provide the evidence of the error to the lender when he places your application, so get back on to EE to get written confirmation. However, they may be unwilling to do this now it's with FOS.
Remember to check all three files, not just Equifax.1 -
Deleted_User said:Now you've escalated to FOS, it's going to be more difficult to get it resolved quickly.
Your broker needs to provide the evidence of the error to the lender when he places your application, so get back on to EE to get written confirmation. However, they may be unwilling to do this now it's with FOS.
Remember to check all three files, not just Equifax.
Will check the others now. They all vary so much!0
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