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paulfagan
Beginner

on ‎13-12-2021 11h06

2,384 Views
Message 1 of 4

BT default on credit file

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I have a BT default on my credit file from 4 years ago that I don't recall. It is really affecting my credit score and I need to address it ASAP. How do I get this removed?

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3 REPLIES 3
Keith_Beddoe
Distinguished Sage
Distinguished Sage

‎13-12-2021 11h10 - edited ‎13-12-2021 11h14

2,378 Views
Message 2 of 4

Re: BT default on credit file

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Answered by moderator.

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DavidM
Moderator-Retired

‎13-12-2021 11h12 - edited ‎13-12-2021 11h13

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Message 3 of 4

Re: BT default on credit file

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Hi @paulfagan and welcome to our community.

Sorry you're having problems with your credit file. The first thing you need to do is raise a dispute with either Equifax or Experian, depending on who the debt is with. You can do that at 

  • Online at www.equifax.co.uk/ask
  • Call 0800 014 2955
  • Address – Equifax Ltd
    • Customer Service Centre
    • PO Box 10036
    • Leicester
    • LE3 4FS

or 

  • Online at www.experian.co.uk
  • Call 0344 481 8000
  • Address - Experian Headquarters Talbot House
    • Talbot Street
    • Nottingham
    • N80 1TH

They'll then liaise with BT for you.

Cheers

David

 

You beat me to it @Keith_Beddoe  😉

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Keith_Beddoe
Distinguished Sage
Distinguished Sage

on ‎13-12-2021 11h48

2,358 Views
Message 4 of 4

Re: BT default on credit file

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@DavidM wrote:

 

 

You beat me to it @Keith_Beddoe  😉

But your reply was more comprehensive, so I deleted mine. But will keep a copy of your post for future reference.