Hi All, I have a default on my account from PRA group. I have noticed the default dates do not match up and the information they have placed on my credit report.
I believe this was related to quick quid.
PRA GROUP (UK) LIMITED
Pay Day loans Default £0
This account has been defaulted
If you have incorrect details on your report contact PRA GROUP (UK) LIMITED
Account started 27/04/2011 Default Date 29/08/2011 Default Satisfaction Date 18/01/2014 Default Balance £174
Partial Settlement
Start date 01/08/2014
I didn't speak to these guys in 2014 I am sure of it so I have no idea where they got the settlement dates from?
they said I settled the account in 2014? But I doubt I would of left this debt for 2 and a half years.
So my question is will this be removed from my score in April 2017? or does it stay on from the settlement date 01/08/2014
I have also noticed it does not appear as a default on my equifax report it just simply states settled.
and can I challenge the default they have placed on my account due to wrong information and dates? I assume they have to prove the debt and provide payment dates etc?
any help appreciated.