2 Defaults for Same Debt

micky007

Hi,

I've only just noticed that I have 2 Defaults on my credit file for the same debt which will be settled in the next 4 months. The first one being from the bank which is showing as Settled but still shows as a default. The second being a debt company that bought the debit from the bank which is who I'm I've been paying the money back to.

Is it normal to have 2 Defaults showing on a credit file for the same debt as when people do a credit check on me it will show I've defaulted twice instead of just the once? I've never missed a payment with the company I've been paying the debt off from. 

Or since the first default is showing as Settled will it only be classed as 1 default?

adamp87

It’s normal.

So the account with the bank has been closed but it defaulted so it’s right & they sold it to this debt company.

They now own the debt report it was defaulted and are responsible for it.

It’s one default really it’s just recording your history correctly