An unpaid Three mobile bill wrecked my credit rating

I can’t get a house or a mobile phone contract, and it might stop my partner getting a job I have discovered a £61 default on my credit report due to an unpaid phone bill – which is now ruining my life. At the end of 2015 I started a new job that offered a phone. I called my provider, Three, to cancel my existing mobile phone contract. I was told I was all paid up and owed nothing. Fast forward to September last year, when I was rejected for credit and found, to my horror, the