I have checked Equifax & experian but they are the only 2 i have run. This issue is on equifax but not on experian!

Thanks for replying Deb T

Hi Buzby, Thanks for replying, Do you think the default could be the reason the mortgage was declined? How do i go about getting them to remove it without being lumbered with the debt? Sorry for all the questions but im new to all this and have no clue what to do. Thanks Madas x:)

Hi, Thanks for your reply, The default is for £1796 so its not that small. Would something of that amount be the reasons? Also if i just pay it and have done will that remove the default through wescot who had taken the debt over?

So is there a way of removing a default on your profile?

Hi, I need a little advise if anybody can help. I recently applied for a mortgage but was declined! I ran a credit report to check on why this could happen, I found a default on my account from wescot so i have searched all the paperwork i seem to hoard to find out what this could be for. I found it was for a mobile phone i had with Vodafone! This is where it gets confusing. The phone in question was transferred to my ex boyfriend, but vodafone transferred the wrong numbers! I wrote to them to inform them of this and never heard anything again. I have since moved from the property that debt was registered at over 6 years ago now so have had no correspondence with either vodafone or wescot. Unfortunately this debt is not 6 yrs old yet! Its only 5 years old, default date shows as 26/04/05 My concern is how i go about getting it removed from my credit report without getting into a big battle about the debt being recorded to me in the first place in error. Anybody got any info they think may help me, I would really appreciate any help. Thanks

Hi, I need a little advise if anybody can help. I recently applied for a mortgage but was declined! I ran a credit report to check on why this could happen, I found a default on my account from wescot so i have searched all the paperwork i seem to hoard to find out what this could be for. I found it was for a mobile phone i had with Vodafone! This is where it gets confusing. The phone in question was transferred to my ex boyfriend, but vodafone transferred the wrong numbers! I wrote to them to inform them of this and never heard anything again. I have since moved from the property that debt was registered at so have had no correspondence with either vodafone or wescot. Unfortunately this debt is not 6 yrs old yet! Its only 5 years old so my concern is how i go about getting it removed from my credit report without getting into a big battle about the debt being recorded to me in the first place in error. Anybody got any info they think may help me, I would really appreciate any help. Thanks

Hi, I need a little advise if anybody can help. I recently applied for a mortgage but was declined! I ran a credit report to check on why this could happen, I found a default on my account from wescot so i have searched all the paperwork i seem to hoard to find out what this could be for. I found it was for a mobile phone i had with Vodafone! This is where it gets confusing. The phone in question was transferred to my ex boyfriend, but vodafone transferred the wrong numbers! I wrote to them to inform them of this and never heard anything again. I have since moved from the property that debt was registered at so have had no correspondence with either vodafone or wescot. Unfortunately this debt is not 6 yrs old yet! Its only 5 years old so my concern is how i go about getting it removed from my credit report without getting into a big battle about the debt being recorded to me in the first place in error. Anybody got any info they think may help me, I would really appreciate any help. Thanks

Hi, I need a little advise if anybody can help. I recently applied for a mortgage but was declined! I ran a credit report to check on why this could happen, I found a default on my account from wescot so i have searched all the paperwork i seem to hoard to find out what this could be for. I found it was for a mobile phone i had with Vodafone! This is where it gets confusing. The phone in question was transferred to my ex boyfriend, but vodafone transferred the wrong numbers! I wrote to them to inform them of this and never heard anything again. I have since moved from the property that debt was registered at so have had no correspondence with either vodafone or wescot. Unfortunately this debt is not 6 yrs old yet! Its only 5 years old so my concern is how i go about getting it removed from my credit report without getting into a big battle about the debt being recorded to me in the first place in error. Anybody got any info they think may help me, I would really appreciate any help. Thanks

Hi, I need a little advise if anybody can help. I recently applied for a mortgage but was declined! I ran a credit report to check on why this could happen, I found a default on my account from wescot so i have searched all the paperwork i seem to hoard to find out what this could be for. I found it was for a mobile phone i had with Vodafone! This is where it gets confusing. The phone in question was transferred to my ex boyfriend, but vodafone transferred the wrong numbers! I wrote to them to inform them of this and never heard anything again. I have since moved from the property that debt was registered at so have had no correspondence with either vodafone or wescot. Unfortunately this debt is not 6 yrs old yet! Its only 5 years old so my concern is how i go about getting it removed from my credit report without getting into a big battle about the debt being recorded to me in the first place in error. Anybody got any info they think may help me, I would really appreciate any help. Thanks

Hi, I need a little advise if anybody can help. I recently applied for a mortgage but was declined! I ran a credit report to check on why this could happen, I found a default on my account from wescot so i have searched all the paperwork i seem to hoard to find out what this could be for. I found it was for a mobile phone i had with Vodafone! This is where it gets confusing. The phone in question was transferred to my ex boyfriend, but vodafone transferred the wrong numbers! I wrote to them to inform them of this and never heard anything again. I have since moved from the property that debt was registered at so have had no correspondence with either vodafone or wescot. Unfortunately this debt is not 6 yrs old yet! Its only 5 years old so my concern is how i go about getting it removed from my credit report without getting into a big battle about the debt being recorded to me in the first place in error. Anybody got any info they think may help me, I would really appreciate any help. Thanks

Hi, I need a little advise if anybody can help. I recently applied for a mortgage but was declined! I ran a credit report to check on why this could happen, I found a default on my account from wescot so i have searched all the paperwork i seem to hoard to find out what this could be for. I found it was for a mobile phone i had with Vodafone! This is where it gets confusing. The phone in question was transferred to my ex boyfriend, but vodafone transferred the wrong numbers! I wrote to them to inform them of this and never heard anything again. I have since moved from the property that debt was registered at so have had no correspondence with either vodafone or wescot. Unfortunately this debt is not 6 yrs old yet! Its only 5 years old so my concern is how i go about getting it removed from my credit report without getting into a big battle about the debt being recorded to me in the first place in error. Anybody got any info they think may help me, I would really appreciate any help. Thanks