Hey guys hopefully someone can help me.
I'm currently going through the process just now of trying to get a mortgage (very early stages)
my mortgage advisor pointed out that perfect home had not logged a default on my credit file but instead had it marked down as a late payment,
it's been like this for 14 months now,
she advised maybe we could catch it before the mistake is realised and obviously knock it off.
I contacted perfect home who advised the debt had been sold to JCI accusation, who then sold it to imfs, imfs offered me 50% off the settlement and I have accepted and cleared this (i don't dispute the debt btw)
This was cleared on the 30th of April and as yet absolutely nothing has changed on credit file,
I have contacted perfect home who have been absolutely useless to be honest.
Perfect home say they haven't received anything to say the debt has been paid and Futher to this are just planning to mark is as defaulted anyway which sort of has made paying it a bit of a waste of time.
Is there absolutely anything I can do to rectify this or to have any kinda of outcome here where the default isn't logged.
I should say as well I've already tried disputing the information on credit file with two agency's and have received a flat no that the info is correct and that it shall remain, even though it isn't correct.
Any help is greatly appreciated