does that take ages? ive just been speaking to them on the phone and the info she gave me sounds really weird says i had a mobile account in april 2008 and it went to debt collectors in oct 2008!!!! fairly quickly that which means i must have defaulted immediately also the default date on cra says it from 10/03/2009 wtf is that all about

hi this is my first post. recently applied for a mortgage and was knocked back. checked my credit report to find i had a fair score! never had to borrow money from anywhere and only had mobile contracts. turns out i have a red default on my account from 4 years ago with lowell! i remeber paying lowell via the internet as soon as i recieved their letter £119 i emailed them telling them to rectify the default. i received an email stating i defaulted with t mobile not them. i cant remember ever being with t mobile and with it being so long ago how do i find out? also not sure how to boost my credit score im on the electoral role etc. my dream house is slowly slipping through my fingers..... cazzano x