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  • #1

    One account - two entries on credit file

    Hi,

    Wonder if it is legit.
    Seen my credit file on noddle (Call Credit) and account I used to have with Barclaycard is listed under Closed Accounts as Satisfied (which is derogatory status I suppose, as long as it is not Satisfied).

    It looks like this:
    Barclaycard £0 30/06/2011 Satisfied

    The account has been sold to Mkdp and is listed again under Open Accounts as Defaulted.
    Mkdp Llp £3,014 15/03/2012 Default

    Similar situation is with another Barclaycard account sold to Arrow Global, i.e. 2 entries on my credit file: one Satisfied, another one Defaulted.

    Now I think my credit file is showing double the amount of derogatory entries for those two ex-Barclaycard accounts.

    Is it OK? Or do I need to contact CRAs to have it sorted?
    Or is it a minor issue as I have 4 other defaults (so in total 6 defaults plus those 2 satisfied entries) and I should not bother with it and lose any sleep over it?
    Tags: 2012, account, accounts, act, arrow, arrow global, barclaycard, con, cra, cras, credit, date, dca, dca's, default, defaulted, defaults, email, experian, llp, mat, mbna, mkdp, niddy, noddle, removal, size, stay, take that, wrong
  • #2
    Re: One account - two entries on credit file

    There should be one default. The satisfied entry is a true reflection and thus will stay, the default will also stay as this shows the actual default.

    The settled one will cause no harm to you so it's not a problem in that respect...
    I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

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    • #3
      Re: One account - two entries on credit file

      How the hell were you able to reply within a minute?
      Are there two of you?

      Thank You!

      Comment

      • #4
        Re: One account - two entries on credit file

        Originally posted by jadex View Post
        How the hell were you able to reply within a minute?
        Are there two of you?

        Thank You!


        Seriously though, don't worry about it
        I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

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        • #5
          Re: One account - two entries on credit file

          Thought I had seen this - I have the same problem - and couldnt remember the outcome.
          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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          • #6
            Re: One account - two entries on credit file

            Originally posted by oscar View Post
            Thought I had seen this - I have the same problem - and couldnt remember the outcome.
            you have what problem mate? Duplicate defaults....?

            If so raise a dispute and request removal of the duplicate.
            I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

            If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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            • #7
              Re: One account - two entries on credit file

              Originally posted by Never-In-Doubt View Post
              you have what problem mate? Duplicate defaults....?

              If so raise a dispute and request removal of the duplicate.
              Pretty much as above mate. One account two entries. One showing history and Satisfied - original lender. Then DCA one showing outstanding balance and full history.
              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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              • #8
                Re: One account - two entries on credit file

                Originally posted by oscar View Post
                One showing history and Satisfied - original lender. Then DCA one showing outstanding balance and full history.
                This is accurate then mate, as you do have one account settled with the OC which will sit dormant now until the 6yrs are up (the 6yr CRA reporting history) - the defaulted one will change as per each sale between DCA's - the default date must remain however the actual dca name may well change.

                Remember the settled account cannot cause any bother to you - it's the default that causes the trouble.
                I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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                • #9
                  Re: One account - two entries on credit file

                  Still looks weird though - as if there have been three defaults in total.

                  Default dates are same - is just dates on paperwork that are dodgy.
                  I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                  If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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                  • #10
                    Re: One account - two entries on credit file

                    Originally posted by oscar View Post
                    Still looks weird though - as if there have been three defaults in total.

                    Default dates are same - is just dates on paperwork that are dodgy.
                    you never mentioned there were three defaults.

                    You said one entry from OC and one showing the default. So what is it? Is there 1 entry plus 2 dead default entries then another?

                    If something is settled and so long as it's not a settled default, it will have NO effect/affect or otherwise on anything.
                    I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                    If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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                    • #11
                      Re: One account - two entries on credit file

                      If there are separate entries, each with a default for the same account then that is wrong.

                      Whether it worth arguing about considering what else is ion you file is another matter.

                      I would suggest you screen print the entries and send to Niddy. That way he/we can say for sure whether it's wrong or not.
                      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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                      • #12
                        Re: One account - two entries on credit file

                        Originally posted by rizzle View Post
                        If there are separate entries, each with a default for the same account then that is wrong.
                        That's what I implied above - first he mentioned '3 defaults' was in that last post

                        I'm just confused now
                        I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                        If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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                        • #13
                          Re: One account - two entries on credit file

                          So am I, which is why I suggested the screen print. l
                          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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                          • #14
                            Re: One account - two entries on credit file

                            Originally posted by rizzle View Post
                            So am I, which is why I suggested the screen print. l


                            It's these Welsh - you know how it is

                            Oscar, mate - blank the top part out with your name etc and post a screen shot in mod section for rizzle and me to check, as I am tied up for the weekend and won't be here much....

                            Just remove the name and dob. The other bits don't matter - we need to see the lender though so leave the top line semi-intact!

                            Cheers
                            I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                            If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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                            • #15
                              Re: One account - two entries on credit file

                              Fecking experian.

                              They are now contacting MBNA and Arrow as "information cannot be amended withouot their consent"

                              They are also adding their standard dispute statement.
                              I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                              If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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