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Unknown Default from 2008 suddenly appeared on credit report

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  • Unknown Default from 2008 suddenly appeared on credit report

    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.

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