Background
Michael thought his default had dropped off after six years. It hadn't — it had been re-reported incorrectly.
The challenge
Vanquis's records were fragmented across systems following a card portfolio sale.
Actions taken
- Traced original account origination and settlement date
- Forced correction under the six-year credit reporting rule
- Confirmation of deletion across all bureaus
Outcome
Default cleared and small goodwill payment for the extra three years.