I recently descovered that a new tenant of my old flat ordered itens from a catalogue in my name when the new catalugue came out. It took months to sort out and they company assured me that this would not go on to my credit scoring but I have recently descovered that tit has and its still open on my credit scoring.... does anyone know how I can erase this from my credit scoring account? Its showing that it has 14 months of undecided payments which means they cannot provide information on it as there is a dispute??

I am really worried

Hi --- You basically need the agreement and written permission from the catalogue in accepting there has been a mistake made, in which they agree to the removal of these defaults that have wrongfully been placed onto your credit file.

Once you have this written agreement, copies should be sent to Experian and Equifax asking for the removal.

Guide to defaults & removal below.

http://www.insolvencyhelpline.co.uk/default-notices/index.php

Thank you. Yes I called the catalogue AGAIN and they have said that they will make sure it off my experian report by next week. I really want to keep a good profile and have been paying everything on time for two years now.

Is it true that the more searches you do on your scoring the less chance you have of getting credit, as I need to check its ok by doing another report next week?

Hi --- If you mean when you obtain your credit report...that does not get recorded as a search, but if you apply for credit of any kind that does.

You can apply for a copy of your credit report as often as you like, without it having a detrimental effect on your credit rating.