Tweet
Hi all
If anybody can advise, that'll be great. My query is fairly simple, I'm currently on a DMP (3 years now) but I recently sold my car and other things whilst downsizing, so I now have enough to clear the rest of the debt (just over half the original is already cleared).
I obtained my credit reports from 2 agencies to check how to best offer full and final settlements, namely from Equifax and TransUnion. Whilst I have some disagreements over one or two default date, I intend to write to the creditors and ask them to amend the dates in exchange for the full settlements.
However, there is one debt that is showing as 'Arrangement to Pay' on the Equifax Report but as 'Default' on TransUnion. This debt is from the ShopDirect group and they still send me statements, so they haven't sold the debt to anyone.
If someone could explain how come there is a conflicting status and how to best address it, that'll be really appreciated. Thanks in advance!
If anybody can advise, that'll be great. My query is fairly simple, I'm currently on a DMP (3 years now) but I recently sold my car and other things whilst downsizing, so I now have enough to clear the rest of the debt (just over half the original is already cleared).
I obtained my credit reports from 2 agencies to check how to best offer full and final settlements, namely from Equifax and TransUnion. Whilst I have some disagreements over one or two default date, I intend to write to the creditors and ask them to amend the dates in exchange for the full settlements.
However, there is one debt that is showing as 'Arrangement to Pay' on the Equifax Report but as 'Default' on TransUnion. This debt is from the ShopDirect group and they still send me statements, so they haven't sold the debt to anyone.
If someone could explain how come there is a conflicting status and how to best address it, that'll be really appreciated. Thanks in advance!
