My partner has found an unknown default on her credit report from experian. Basically she wanted to re- mortgage and move to a bigger property , she thought her credit report was spotless , mortgage , credit card , all paid up fully and ontime. She just also completed her car finance. The first thing was on Friday when she got a letter from mbna saying that are reducing her credit facility greatly ( from 5000 to 1200 ) which she thought odd as she pays her balance every month. Then she thought ok , I will pay that off and get a new card. She applied to Barclays who she has a current account with and got declined. Now she was panicing.

We checked her report on experian last night and there is a default on there from orange. An account was opened last October and never paid , in May this year they defaulted the account. Now as far as I can gather she has either been the victim of fraud , or it could be a family member. Her eldest daughter went back to Uni last October. She probably had access to ennough information to be able to open an acccount in her mums name. My partner has a mobile account with t-mobile and everything else on her file is spotless as she thought.

She is going to call orange with the limited information she has to see what they say but I was just wondering if there was anything else we can do . There is no point her progressing with a re-mortgage as the Abbey will just refuse her ( through no fault of her own ) Do you think there is any chance the default could be removed??

J