Credit Reports

[Fuzzywuzzy]

I would be contacting veda to chase it up if you haven't received it.

A default can be any overdue payment more than $100 that is more than 60 days overdue. Even if you have paid it it will still stay on your file for 5 years although you can have it updated to show that it is paid by contacting the company that you had the debt with and getting them to update veda's records (they are required to do this by law)

Unfortunately unless it is a mistake it will stay on the file and cause problems for you in the future. I know that some banks will ignore smaller defaults if they are paid but have no tolerance for larger defaults (greater than $1,000)

If you go to the VEDA advantage website and read the faq section it will answer your questions

[Netix]

I applied for my credit file, and also the Man's, and they both show that we have a clear history. I applied for credit with a group, and they knocked me back because of things on my credit file that weren't on the copy that I got. Mine said no defaults, whereas there is one that I am paying off that is listed on the one the company I applied to. So, I don't hold what they contain to be worth anything. Sorry.

[Tinks]

hmmm

I just got it and I apparently owe over $2000 to a mobile phone company I've never heard of. One of my addresses is wrong and there is an employer listed that I've never worked for.

What can I do about it?

[Trillian]

Well you need to follow it up. It is possible that there is someone else out there with your exact same name and their stuff could have been put on your credit rating by mistake. Good luck with it, because it you know that they aren't your details, you may still have a hell of a time proving it.

[Just Me]

Oh Tinks, that really sucks! I hope you can sort it out without too much drama. At least you found out now ... good luck.

[Fuzzywuzzy]

Well you need to follow it up. It is possible that there is someone else out there with your exact same name and their stuff could have been put on your credit rating by mistake. Good luck with it, because it you know that they aren't your details, you may still have a hell of a time proving it.

:yeahthat:

You need to contact that mobile phone company directly to sort it out. Good luck