Just as a quick update - I contacted Citi this morning and threatened with legal action, stating that their error was causing me problems. Received a phone call an hour later - apologised, and faxed me a letter confirming that the debt would be DELETED from my credit record in 72 hours. Thanks

Hi all. I've been reading this thread and have found myself relating to a lot of this. I've paid back the money owed (did about 12 months ago), however my credit record shows two entries - one for Citi and one for 1st Credit. I'm sorry if this is repeating what's been said before, but can this be correct? I didn't sign anything with 1st, and now I'm showing TWO defaults. Thanks for your help.

Sorry Slick, thanks very much for that. Will do. PS - I contacted CitiFinancial this morning and threatened them with legal action if the information wasn't corrected today. I received a phone call an hour later, most sorry, and the debt would be DELETED by Sunday - allow 72 hours for Equifax to amend. Cheers!

Hi all. I've been reading this thread and have found myself relating to a lot of this. I've paid back the money owed (did about 12 months ago), however my credit record shows two entries - one for Citi and one for 1st Credit. I'm sorry if this is repeating what's been said before, but can this be correct? I didn't sign anything with 1st, and now I'm showing TWO defaults. Thanks for your help.