12 year old account suddenly appeared on Credit Report - where to start?

[MMCG]

Hi there - hoping for some advice

I was checking my Experian credit report in preparation for possibly remortgaging and was shocked to see that my report had gone from Excellent to Poor. I went through my report to see what the issue was and there has been an Account in Default added by Lowell Portfolio. I have no idea what this is and all the info I have to go on is -

Opened 19th Dec 2008
Default date 23 Mar 2020
Satisfaction Date 27 Apr 2020
Last Updated 07 Jun 2020

It is also showing a £0 balance.

I have since checked on Clear Score and my score has gone up in that same period with them but again I dug around to see if anything had been added and yes there had been a closed account added by Lowell in July but it was not showing as default, just closed with a zero balance.

I have since run a few soft searches for credit card transfers etc and all that is showing now is credit cards for poor credit and high-interest loans etc.

The last few years have been a long slog to clear debt and get my credit report up to scratch and I'm just gutted by this. Any advice would be much appreciated.

[Celestine]

You should contact Lowell urgently to find out what account has been added. If it exists it may be an old account that defaulted but has only now been sold to Lowell. However, the default date does not support that so something very odd is going on and you have nothing to lose by getting in touch directly.