Hi,
I know there are a fair few similar threads here about the same type of things but I wanted to put down my details here in case there is any guidance with my specific situation.
I recently started looking into my credit report after being refused for a credit card.
I generally don’t use credit products but was advised that I should as I’m looking to get a mortgage in the next 2 years.
I found I have 4 defaults on there.
2 From Yorkshire Water.
One from Lowell (relating to a BT account).
One from Hutchinson 3G (Lowell).
The 2 Yorkshire water default are being removed after conversations with them.
These were at 2 addresses I was registered at living in but never actually did.
(A bit complicated, I rented a room in a property but was living with my girlfriend at the time. Early relationship, needed back up)
The Lowell default relating to BT is from one of these properties, but I put my name on the account so I accept this one.
The Three one is where it gets a bit more complicated.
My Mobile Phone contract is with Three and it has been for 7 years.
I have never missed a payment or been late with payments.
The problem with the default is that it’s showing separately and is registered at my parents address.
I live there when I was younger but not for about 12 years.
My father has the exact same name as me and lives at this address.
I believe this default is related to him in some way but I have tried contacting Three and they can’t find any record of the default. On the credit report it looks to be linked with my DoB but once again, I have no idea why.
It’s getting increasingly difficult getting any information out of Three in reference to this so I’m a little bit stuck.
Any advice on what my next steps should be in terms of both of these outstanding Debts would be great.