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  1. Hi folks! first post so be kind I recently received a copy of my credit report for the first time. There was an entry for "Lowell communications" for a defaulted account, for £1102. I called Lowell to enquire they stated that the account was for a debt for O2 and was passed to BPO collections some time ago and that I would have to speak to them about the debt. I have not called BPO or written any letters at this point. Upon further examination of my credit report it states that the default date of the account is 22/02/2010. Since I live and have always lived in Scotland, and the debt is now 5 days over 5 years old, would I be able to state that the debt is unenforceable and request for it to be removed from my credit file? Also... (one last question) I have a defaulted account for CIT group for an account with Dell Finance. The account was defaulted 28/10/2009. Again, past the 5 year date in Scotland. On my experian credit report it says the account is in "default" however on my equifax report it says that the account is "settled". Should this now be removed from my credit file also? Thanks in advance for any help you are able to offer
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