Hello:) im new to the site so please bear with me, i have just found out today that Credit Account Management have put a default on my credit experian file which i think is from a choice catalogue which moorcroft were recovering the debt, i pay monthly to choice direct online throught the online payments system. due to this it may stop me buying my property as im trying to get a mortgage but this is going to bring down my credit badly as they have put default all over it, can any one help me with what i do next i have never dealt with Credit Account Management and can only think of them as being moorcroft, what do i do?