Hi, new member needing default advice

Hi Guys,



I have just joined & really needing some advice on defaults.



Just registered on Experian & can see Vodafone have registered a default against me in 2012.



I know absolutely nothing about this, so gave Vodafone a call & they said I missed a payment in April 2008. I can't find anything online about this, but are they allowed to apply a default to my credit file 4 years & 4 months after the actual missed payment?



Are there any rules/laws that companies must follow when it comes to when & what they can report on a customers credit file? Like I said, I haven't found anything online.



Any help would be appreciated :tinysmile_fatgrin_t



Thanks



Kris

Hi, new member needing default advice