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Credit Report - understanding Defaults


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Hi

 

I've just been checking through my credit report and it quotes my current balance at £1.00 but my default balance at £5k - which is the one that I should be taking notice of?

 

I am looking to contact the DCA and offer a settlement figure but obviously don't want to if the debt has already been written off or is in the process of being written off.

 

Thanks

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