I've had bad debt, which I'm now managing.
Looking at my credit file, I see examples where a debt has been sold.
For example, a Lloyds Loan might show as
Account with Lloyds Bank
Status: Settled/Defaulted
Balance: 0
and an entry from who they sold it to
PRA Group
Status: Defaulted
Balance: £3045
This would be considered as 2 defaults, rather than 1 default that's been sold, wouldn't it? (The default dates are the same),
I have 9 different defaults on my file listed in this manner. (defaulted, 0 balance, but I know I've not paid off that original debt yet, and am paying a DCA)
I'm just making sure I've identified these correctly before I go down the route of chasing the OCs to get them removed.
(I'm also thinking that removing 9 defaults from my file will make it look "nicer" (but still bloody awful!)