Dispute a default on credit report

[Tmarshall1717]

Hi can anywhere provide any info or steer me in the right direction on how to remove a default from my credit report. I have recently discovered I have a £10 default from bt on equifax. This appears to be from a couple of years ago when I switched from bt to sky. I had no idea that this money was owed and never received any notice of it. I’m unable to find any help from bt about it and I haven’t been a customer since I switched so I have no account with them,  can anyone here provide a link or dm me about how to resolve this, Thanks 

[Keith_Beddoe]

@Tmarshall1717 

See https://www.bt.com/help/account-and-billing/manage-account/bt-credit-files-explained

[Tmarshall1717]

Yeah already seen this page that’s more to do with bt doing a credit search it didn’t give any info on them being the one that had the default on my report expect contact the lender which is bt?

[-Richie- · Accepted solution]

We use data held about you by these two credit reference agencies:

• Experian
• Equifax

In return we make a record of how you conduct your account. This information is provided to the agencies automatically each month.

It explains disputes further down :

How to query your credit file

Both agencies must response to a query within 28 days.

Equifax

Contact Equifax:

• Online - visit the Equifax website
• By phone - call 0800 014 2955
• By post - write to Equifax Ltd, Customer Service Centre, PO Box 10036, Leicester, LE3 4FS

Experian

Contact Experian:

• Online - visit the Experian website at www.experian.co.uk
• By phone - calll 0344 481 8000
• By post - write to Experian Headquarters Talbot House, Talbot Street, Nottingham, N80 1TH