credit default
Discussion
We currently have a problem with orange who have decided to put a default on helens credit rating which is great when you are trying for a mega mortgage.
The story is she got a phone fecking years ago where you just payed for the calls and no line rental and that was taken off her bank account via direct debit. All fine and dandy. Skip forward a few years and that phone is stuck in a drawer and forgotten about while she had another orange phone and orange broadband all at this address.
We applied for a mortgage to finance the purchase of thintowers and it came back as one of us has a bad credit rating.
So off we trot to the equifax website and get our credit thingys and it turns out that helen has a default against her from orange in september last year. As quite suddenly the old account from 2001 had £11 on it from as far as we can tell nowhere as the phone is never used. We have receive zero communications from them with regards this debt and our orange broadband and her orange mobile have been paid off every single month without fail and they have been sending her mobile phone bill to our current address so it is not like orange don't know where the hell we are.
So we call up orange and settle our huge debt of £11
Now how the hell do we get the default off of her credit rating
The story is she got a phone fecking years ago where you just payed for the calls and no line rental and that was taken off her bank account via direct debit. All fine and dandy. Skip forward a few years and that phone is stuck in a drawer and forgotten about while she had another orange phone and orange broadband all at this address.
We applied for a mortgage to finance the purchase of thintowers and it came back as one of us has a bad credit rating.
So off we trot to the equifax website and get our credit thingys and it turns out that helen has a default against her from orange in september last year. As quite suddenly the old account from 2001 had £11 on it from as far as we can tell nowhere as the phone is never used. We have receive zero communications from them with regards this debt and our orange broadband and her orange mobile have been paid off every single month without fail and they have been sending her mobile phone bill to our current address so it is not like orange don't know where the hell we are.
So we call up orange and settle our huge debt of £11
Now how the hell do we get the default off of her credit rating
thinfourth2 said:
We currently have a problem with orange who have decided to put a default on helens credit rating which is great when you are trying for a mega mortgage.
The story is she got a phone fecking years ago where you just payed for the calls and no line rental and that was taken off her bank account via direct debit. All fine and dandy. Skip forward a few years and that phone is stuck in a drawer and forgotten about while she had another orange phone and orange broadband all at this address.
We applied for a mortgage to finance the purchase of thintowers and it came back as one of us has a bad credit rating.
So off we trot to the equifax website and get our credit thingys and it turns out that helen has a default against her from orange in september last year. As quite suddenly the old account from 2001 had £11 on it from as far as we can tell nowhere as the phone is never used. We have receive zero communications from them with regards this debt and our orange broadband and her orange mobile have been paid off every single month without fail and they have been sending her mobile phone bill to our current address so it is not like orange don't know where the hell we are.
So we call up orange and settle our huge debt of £11
Now how the hell do we get the default off of her credit rating
Ask Orange to send you a letter confriming the "huge debt" is now paid. Then send it to Experian and to Equifax. Wait a few weeks, check the credit rating again and the default will be lifted.The story is she got a phone fecking years ago where you just payed for the calls and no line rental and that was taken off her bank account via direct debit. All fine and dandy. Skip forward a few years and that phone is stuck in a drawer and forgotten about while she had another orange phone and orange broadband all at this address.
We applied for a mortgage to finance the purchase of thintowers and it came back as one of us has a bad credit rating.
So off we trot to the equifax website and get our credit thingys and it turns out that helen has a default against her from orange in september last year. As quite suddenly the old account from 2001 had £11 on it from as far as we can tell nowhere as the phone is never used. We have receive zero communications from them with regards this debt and our orange broadband and her orange mobile have been paid off every single month without fail and they have been sending her mobile phone bill to our current address so it is not like orange don't know where the hell we are.
So we call up orange and settle our huge debt of £11
Now how the hell do we get the default off of her credit rating
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