CREDIT REPORT- Strange Entry

milkbubble_2

Hi There

This is my first post- and I wasn't sure which forum to put it in. Hope this is OK.

I've recently been paying off debts that I ran up as a Student and as I have settled most of them I decided to check my Credit File to see what was on there and check it was all correct. There was 3 entries under my Account Information- 2 of which were correct and up-to-date. But there is one for a company I have never heard of or spoken to- AKTIV KAPITAL (UK) (who, from reading around, I hear are not so good to deal with). Its says that the default balance was £2,006 but that the current balance is £426- suggesting that money has been paid on the account by someone. It says the account was defaulted on 22/10/2004 but what concerns me most is that apparently the account/entry was started on 12/05/1994. I would have been 12 in 1994!

I have no financial associates and noone else is linked to my Credit File.

Please could anybody give me a bit of advice as to what I need to do next. Is there anyway I can find out who Aktiv Kapital bought the debt off of, or if this is even a genuine entry on my credit report, since I would not have been old enough to take out credit at the time they claim it was started. I would love to avoid contacting AK directly as I have read that they can be quite difficult to deal with- but if I have to, which would be the best letter to send first?

Thank you in advance to anyone who could help me.

jamesd

Tell the credit reference agency what you have just written here and ask them to get the inaccurate entry removed.

milkbubble_2

Thanks jamesd, that sounds simple and painless