Not really a default but a late payment

[Dottir]

I am not sure where I should post this



I have recently looked at my combined credit report on checkmyfile

Apart from the usual searches and credit applications ( maybe a few too many) the only negative thing is from Vodafone back in 2015 with Experian. They say I was 1 month in arrears for 1 month. Now I know I have never missed a payment but they have messed things up a few times which was why I left them.

Do you think this 1 month from over 8 years ago will actually harm my credit score and if so how do I go about getting it removed- I do not have much hope of them doing anything correctly.

[Night Monkey]

It is annoying, but it seems to me that we all have the odd administrative blip that is inconsequential as long as there's no pattern. TBH I'm surprised that it's still visible after 8+ years, I've just checked my record with ClearScore and that only goes back to 2018. I've always been under the impression that only the last 6 years counted at all.

[Still Waving]

It is annoying, but it seems to me that we all have the odd administrative blip that is inconsequential as long as there's no pattern. TBH I'm surprised that it's still visible after 8+ years, I've just checked my record with ClearScore and that only goes back to 2018. I've always been under the impression that only the last 6 years counted at all.

I'm surprised too.

According to Experian -
"Your credit report contains information on your financial behaviour (including any missed payments or defaults) from the last six years. (their highlighting) You can see what's on your credit profile by getting your Experian Credit Report."

[Dottir]

Well on checkmyfile it shows . They show accounts 6 years from closing. But I can not find it anywhere else

Anothervworry is O2 keep reactivating my account- I am with Lebara now after complaining about O2

[linafox]

You should open an online checking account WestStein, then you can pay everything on time without any problems. And you will no longer have any delays. This is a reliable option, I myself use their services. And so far I'm happy with everything. You can make any payment without hidden fees or overpayments.

[Roger]

linafox

The WestStein Debit card is issued by UAB Walletto pursuant to license by Mastercard. UAB Walletto is authorized by the Bank of Lithuania to conduct electronic money service activities under the Law on Electronic Money and Electronic Money institutions (license number 33)

Tis is Dottir about CRA's

• Call them at 0344 481 0800 from Monday to Friday, 8am to 6pm and Saturday 8am to 4pm.
• Send them a letter at Customer Relations Team, Experian, PO BOX 8000, Nottingham, NG80 7WF.
• Email them at complaints@uk.experian.com.