Hard to beleive it.2 years ago I have bought a laptop.I have paid monhtly ,regulary for almost 2 years.During this time I have moved to a new address but I forgot to give to the creditor my new home address.After 2 years I tought is strange that I`m still paying for the laptop and I have suspected there is a fraud.I went to my bank and I have asked few times for the creditor details to contact them.the bank told me that they cant see any address and they suggested that I could cancell the direct debit and to wait for the creditor to contact me.I canceled and after 7 months I received a call from the collectors to pay.I have paid immediately but the effect on my credit score was devastading. I have lost almost 200 points & my credit report its shown a defaulted account ut satisfied.
I dont have other delays on my payments or other problems.How long do u think will take to improve my credit?
what is your advise? sorry for the language mistakes I`m a biginner.
I live in uk