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“Destroyed my Credit Report!!!!”

Written on: 25/03/2013 by kelly2306 (1 review written)

I placed an order worth £20 pound something at Christmas 2009. I didn't receive any confirmation of my order, nor did I ever receive the items. I therefore presumed I had maybe been declined the account due to it being a credit account and my flat mate at the time had a few missed payments on a phone bill and I thought that may have been the reason for my application being rejected. In May/June 2010 I moved back home with my parents, therefore my address changed.
Two weeks ago, myself and my partner applied for a mortgage for our first home, only to have been rejected due to myself having a default note held on my credit account. This was the first I've heard as all of my bills are paid on time, every time. I decided to retrieve my credit report from Experian, only to find that it is in fact Studio that have filed the 'default' against my credit report and the debt is now for £126.00. I am absolutely disgusted that this 'default' now stays active on my report for SIX years. Not only have Studio ruined my credit report, but they have ruined my plans for my family and my future. This company should be AVOIDED and this matter will be taken further!!!

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