Defaults showing twice with different dates

Nickinok75

Hi all.

I am getting myself really confused when reading my credit report, so hoping can get some clarity.

I started a DMP with Stepchange Oct 2017.
I had 8 credit accounts. My repayments were all up to date at this point but when the DMP started and I started paying less the default notices started arriving. 

Some of the creditors sold the debt on to companies such as Cabot and PRA.

In 2020 I satisfied all the debt and am now debt free.

Roll on to 2022 and I am looking for a mortgage, my credit score is still really really low (I get the defaults stay on and impact for 6 years), but when I look at my file I see 18 accounts which are showing default. The defaults show from the original lender and the company they sold the debt too. Is this right?

Also the dates differ between the original lender and debt company. So natwest sold the debt to Cabot, Natwest is showing default date of January 2019 whilst Cabot is showing March 2018. My Experian credit file is saying my last default date was 3 years 1 month ago so they must be picking up the later Natwest date.

Is the above all correct and I just don’t understand it properly or do I have an issue here?

thanks in advance for your help.

[Deleted User]

What should happen is the old account is marked as closed/settled and the new debt owner can mark the same default date but report as the new owner - they cannot create a newer default date

Don't worry about your gimmick score, lenders never see it

Really the default dates should be in 2017 as the guideline is to default after 2-3 missed contractual payments