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The original was posted on /r/ukpersonalfinance by /u/Cautious_Moist on 2023-08-11 19:56:32.

Hi guys,

I’ve been look at potentially getting a debt consolidation loan and was having trouble being accepted. I’ve just found an old 2018 default from when I was a student with Virgin Media. I believe the last person out of my student house forgot to cancel the deal and therefore we were still charged until I found out. I never heard anything from them after I cancelled. The annoying thing is it’s for £50. I have two questions:

1.) What impact will this be having on my credit score, is it a big one?

2.) What do I do to get this off my report if it is having an impact?

Worried a stupid thing, stupidly long ago, for stupidly little money is having a big impact on me.