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I had a Vodafone account that started in 2003 and ended in 2007. On my crdeit file, it shows an outstanding balance of £331. I have never been contacted about this and the file is all green (up-to-date) until May this year when, all of a sudden, a late marker has been placed, followed by a second one in June. I assume they will default me soon based on how credit scoring works. The file is also marked 'Gone-away' where it says 'Account Status' I have not gone away and have been at the same address all this time. I have spent a lot of time cleaning up my credit file and a default would end my hopes of getting a mortgage for another 6 years. Any advice? Can they record a default 5 years on?
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