We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Credit report shows delinquency for 44p !
dunkwellington
Posts: 21 Forumite
in Credit cards
Hi,
Can anyone offer any advice, we currently have a credit card and are now ready to transfer to another one with 0% balance. But to my shock when we applied we got refused, by 2 different banks.
I don't look at my credit report, but signed up because I couldn't understand what was happening. We used to have a one account mortgage, and switched it a couple of years ago. But we did leave the bank account open.
Some money got put into that account 7 or 8 months ago and I withdrew it from a cashpoint, but that put the account 44p overdrawn.
I didn't realise this, and now the account has gone into "delinquency" according to my credit report. I've paid in the money to get it straight, but I'm now really worried that I can;t swap credit cards because of 44p !!
Can I ask them to remove the delinquency from my records , if so, are they likely to ?
Any help would be very greatly appreciated
Duncan
Can anyone offer any advice, we currently have a credit card and are now ready to transfer to another one with 0% balance. But to my shock when we applied we got refused, by 2 different banks.
I don't look at my credit report, but signed up because I couldn't understand what was happening. We used to have a one account mortgage, and switched it a couple of years ago. But we did leave the bank account open.
Some money got put into that account 7 or 8 months ago and I withdrew it from a cashpoint, but that put the account 44p overdrawn.
I didn't realise this, and now the account has gone into "delinquency" according to my credit report. I've paid in the money to get it straight, but I'm now really worried that I can;t swap credit cards because of 44p !!
Can I ask them to remove the delinquency from my records , if so, are they likely to ?
Any help would be very greatly appreciated
Duncan
0
Comments
-
Probably not, because they are reporting factual information, you were 44p overdrawn so the information they have supplied to the credit agency are correct and factual0
-
Get on the blower and be nice to them!
It's real people at the end of the 'phone!
Good luck!0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.7K Banking & Borrowing
- 253.4K Reduce Debt & Boost Income
- 454K Spending & Discounts
- 244.7K Work, Benefits & Business
- 600.1K Mortgages, Homes & Bills
- 177.3K Life & Family
- 258.4K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards