Many thanks Brigadier 1. I would agree, i only mentioned it since when i purchased an experian "credit score" they listed very poor due to £45k of defaulted debt so assumed if the CRA was saying this then lenders would also take the same view. Its a moot point now though since there is only the debt listed with cabot left, for the £15k. 4. My concern is that by registering with another CRA i would give all my addresses so that CRA would link the addresses and then any trace searches by DRA's at that CRA would then able to start hassling. With only 3 months to go until the default falls off im loath to voluntarily provide any CRA with my current addresseven though i am on the ER so the info is out there. Since im not getting any contact im assuming for whatever reason no CRA has linked my old listed addresses to my current one. Like i said I am on the ER since i get voting cards and also my bank account has the correct address. If i sign up to experian that would happen? re CABOT same as above the DF may be wrong but for the sake of sitting tight for 3 months till that date is 6+ years i'm again loath to initiate any sort of contact. If they sell it on and a new default appears with a different date only then do i get out the big guns. Sapper

What to do, what to do..... So...I have a significant debt (£15k) that was collateral damage from a now long dead relationship. A relationship debt i refused to pay on principle...bearing in mind that there were other debts and ccj's that have now been paid/satisfied and fallen off my credit score. This is the only thing outstanding to a clear my record. I am registered with Equifax and have been keeping an eye on my credit over the last 6 years. The original debt was with Barclay's but then appeared against 1st credit and is now listed with Cabot....at one point all three defaults were listed each for 15k showing £45k of debt...which was annoying to say the least....but i kept my head down. The default date listed by Cabot currently on my Equifax file is 07/2007 so based on this would be SB July 2013. So here's the thing..I wasn't s paying too much attention at the time but having looked at this site around SB debts I looked back at an old Credit report (from over a year ago) and saw that the original Barclay's debt has fallen off, the 1st credit had a default date of Jan 2007 (as opposed to July 2007 with Cabot) so im deducing that the original default date ( i cant recall when it was myself) predates even Jan 2007 which means the debt MUST be SB by now. I've recently seen some trace searches against my old addresses from a company called Clarity Credit. I have been registered on an electoral role that is different to the last address listed with Equifax, however Equifax haven't updated and or linked my new address for a number of years. I haven't received any letters to my last two addresses chasing the debt. I really want to register with other CRA's with all my addresses to make sure everything is in order but am afraid that by doing this i will bring down the dogs of war on my current address as by applying they will link all the addresses together when for whatever reason i've dodged the DRA bullet for 6 years....as well as the fact that they never went for a CCJ... An additional annoyance with Equifax is that by requesting credit reports old ones fall of the "recent history" list so i now cant look back to the original Barclays dates , to raise a query you need a support account and they ask for your address....same dilemma. So to the eventual (and i thank you for your patience) questions.. If i register with Experian with all my correct address will they be linked and shared with equifax allowing How do i get hold of my old experian reports (paid for) so i can determine the original default date? Should i just sit tight having miraculously ducked under the radar and wait until July to see if the last default falls off and then register with CRA with correct addresses? If i can confirm the original default should i go after Cabot to SB the debt and get it removed from the CR since the DF date is inaccurate. Many thanks all Sapper4484