We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Credit Rating Default & Mortgages

Options
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!


Comments

  • [Deleted User]
    [Deleted User] Posts: 35,242 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    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.
  • 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.
    I think by the looks of the Clearscore file it has been/is being resolved as the status has change. We just don't have any information from anyone what has been said? I have never seen the term "Closed" before. 
    Will check the others now. They all vary so much!
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.6K Spending & Discounts
  • 244K Work, Benefits & Business
  • 598.9K Mortgages, Homes & Bills
  • 176.9K Life & Family
  • 257.3K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.