Default placed on Credit file by Lowell on failed case

[whitevinyl]

Hi all,

Lowell's recently claimed on an old student loan debt of my wife's, which - thanks to the wonderful support on this website - they withdrew their claim before it went to court.

However, they appear to have placed a default on my wife's credit file, which we recently discovered when we tried to apply for a mortgage. It is dated on Feb 2013, so although it is relatively close to falling off, it is affecting our confidence in going for another mortgage, which is seriously holding up our plans for the future.

Could anyone advise if there is anything we can do to get this altered to 'settled', as it is now that they have sent a letter confirming they are not chasing this debt anymore?

Is our best option to add a notice of corrections, or would it be better to contact Lowell and ask/force them to update the status of the default?

Any help would be hugely appreciated.

[jon34]

Re: Default placed on Credit file by Lowell on failed case

Hi all,

Lowell's recently claimed on an old student loan debt of my wife's, which - thanks to the wonderful support on this website - they withdrew their claim before it went to court.

However, they appear to have placed a default on my wife's credit file, which we recently discovered when we tried to apply for a mortgage. It is dated on Feb 2013, so although it is relatively close to falling off, it is affecting our confidence in going for another mortgage, which is seriously holding up our plans for the future.

Could anyone advise if there is anything we can do to get this altered to 'settled', as it is now that they have sent a letter confirming they are not chasing this debt anymore?

Is our best option to add a notice of corrections, or would it be better to contact Lowell and ask/force them to update the status of the default?

Any help would be hugely appreciated.

Sorry only just read this post. It would be helpful If you could give a little bit more background info i.e.

1) What was the date of the original loan agreement from the Student Loans Co. and did they serve a default notice to your wife.

2) When did lowell's become involved and when were they assigned the alleged debt.

[charitynjw]

Re: Default placed on Credit file by Lowell on failed case

The reporting of information to CRAs is not considered to be 'enforcement', & is therefore legitimate as long as the info is accurate.
McGuffick v RBS (2009)