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Hi All, Sort of struggling to find clear explanation hence my question below: If DCA bought the defaulted debt of OC and mirrored that on my credit file in defaulted state - is that correct? If not what should be correct: 1. Original account with defaulted history but settled status? Or default or any marks removed, as it would be reflected in record added by DCA? 2. DCA record for this loan should be in current state or defaulted state to start with? Can I have both accounts in default (even if original is "Settled" now)? If any the above is not right, what is the course of action to correct it? Is there legislation regarding what and how can be added to credit file? If I request any amendments can I base it on any legislation? Any clarification would be much appreciated.
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