Vodafone

[Matty B]

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 Vodafone 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 Vodafone doing anything correctly.

[echat11]

Send them a Subject Access Request, see if that throws anything up regards payments.

[PallasAthena]

According to Experian "Your Experian Credit Report contains information on your financial behaviour taken from the last six years of your credit history " so why is a 2015 entry still appearing?

[Matty B]

According to the report it will be reported u til 6 years from account closure. Perhaps I should contact Experian. I have sent DSAR to Vodafone but I don’t hold out much hope

[PallasAthena]

I'm not an expert on this but I would ask Experian to explain. Keeping it there until the account is closed seems to defeat the whole point of a 6-year cut off. So if you had stayed with Vodafone (I know you didn't) your alleged missed payment could stay there on Experian forever?

[echat11]

You could seek compensation if the data is incorrect and has impacted you ability to get credit.