Help Moorcroft

[lmc97]

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?

[Jesteruk]

CAM are another arm of Fredrickson internaltional, which is also part of Bryan Carter, and there are a few more, all the one and same company.

 

Did the debt show up previously on your file, maybe as a differnt name, like "shop Direct" or "legal Direct"? What they will normally do is remove one default and replace it with Credit account Management.

 

Its hard to get the default removed but you could contact experian and raise a dispute with the default, and ask them to place a "Notice of Correction" on your file, Basically this will advise any future lenders that you are aware of it and disputing it. If your file is clean apart from this one item then it should pose no problem for a mortgage.