Next Directory & Vodafone on Credit Report

Neato

I wern't sure where to put this (so mods please feel free to move as you see fit) but I've just checked my credit report and basically these two appear on it. I have no idea where they are from. Apparently the Vodafone one has a balance of £3 even though I have never missed a payment , yet I've never paid anything. There is also Next Directory I haven't the foggiest about but apparently I have an account with them which I opened when I was 17 19/11/2007 the balance is nil. If I get in touch with Next could they remove this? Also is it worth contacting Vodafone as well?

There is also a disused bank account on there. Is it worth closing this? Does it affect anything?

Other than that everything seems to be on satisfactory with all
0000000000000
Which I assume is a good thing.

EDIT: It also asks me to pay extra to see my actual score. Is it worth it? Or does it not really mean much providing everythings satisfactory?

Thanks

nomoneytoday

The scores mean zip. I personally wouldn't waste £6 a month subscribing.
Did you apply for a Next Direct catalogue back in 2007?
Maybe the Vodafone one is your next bill to be taken?

Neato

I don't know, I guess I must have since its on there, but its not something I would particularly want so its a bit odd.

My phone is PAYG and O2 so I can't see it being that. its all very strange.

Moggles_2

Everything seems to be satisfactory with all 0000000000000 which I assume is a good thing.

Yes, a nice string of 000000 indicates that all is well.

If you ask Next to close the account, it will be marked "settled" on your credit reports. The account will stay on file for 6 years from the date closed. If that too has 000000, then its presence will contribute to your credit rating

olly300

Neato wrote: »

I wern't sure where to put this (so mods please feel free to move as you see fit) but I've just checked my credit report and basically these two appear on it. I have no idea where they are from. Apparently the Vodafone one has a balance of £3 even though I have never missed a payment , yet I've never paid anything.

Do a data subject access request and put your day time telephone number in the letter. Make sure you send the letter by recorded delivery so the company doesn't choose to ignore or pretend they haven't received your letter.

Often as it's too much hassle to get someone's full records companies will contact you to find out what information you want, and you can ask them to remove the incorrect entry.

BTW it's quite common for mobile phone companies to do incorrect searches.

Neato wrote: »

There is also Next Directory I haven't the foggiest about but apparently I have an account with them which I opened when I was 17 19/11/2007 the balance is nil. If I get in touch with Next could they remove this?

Leave it alone as already indicated you shouldn't have an empty credit file.

Neato wrote: »

Also is it worth contacting Vodafone as well?

Answered above

Neato wrote: »

There is also a disused bank account on there. Is it worth closing this? Does it affect anything?

No and No. As long as you keep an eye on the account it will make it easier if you need to bank with the bank later. Never just use one financial institution for savings and banking.

Neato wrote: »

Other than that everything seems to be on satisfactory with all
0000000000000
Which I assume is a good thing.

EDIT: It also asks me to pay extra to see my actual score. Is it worth it? Or does it not really mean much providing everythings satisfactory?

Thanks

The scores are meaning less as each financial institution has their own criteria for calculating scores.

PNPSUKNET

did you use to have a singlepoint mobile phone? They did the voda one with me for years.

Neato

PNPSUKNET wrote: »

did you use to have a singlepoint mobile phone? They did the voda one with me for years.

Nope its a Sony Ericsson phone on O2 and I've been with O2 for as longas I can remember....welll certainly sicn ethe were Bt Cellnet anyway.

Thanks for all your help guys:beer:

Vodafone

Neato wrote: »

I wern't sure where to put this (so mods please feel free to move as you see fit) but I've just checked my credit report and basically these two appear on it. I have no idea where they are from. Apparently the Vodafone one has a balance of £3 even though I have never missed a payment , yet I've never paid anything. There is also Next Directory I haven't the foggiest about but apparently I have an account with them which I opened when I was 17 19/11/2007 the balance is nil. If I get in touch with Next could they remove this? Also is it worth contacting Vodafone as well?

There is also a disused bank account on there. Is it worth closing this? Does it affect anything?

Other than that everything seems to be on satisfactory with all
0000000000000
Which I assume is a good thing.

EDIT: It also asks me to pay extra to see my actual score. Is it worth it? Or does it not really mean much providing everythings satisfactory?

Thanks

Hi Neato,

If you'd like us to take a look at the Vodafone side of this just email us your details using the 'Contact us' form on our website and in the body of your email include the link to this thread and state the code WRT135 to make sure it comes through to us.

Thanks,

Lee

Web Relations Team

Vodafone UK

PNPSUKNET

are voda staff bored @9:48 pm on a sunday night lol