Credit report is wrong

mu0ljk · 29 October 2010 at 7:51PM

Hello, first time posting on here and I'm not sure if this is the correct place to post!

I recently applied for a credit card and was surprised to be rejected, so I checked my credit report and discovered that Nationwide have got me down as having missed 6 months of mortgage repayments, which I have not I hasten to add!

I'm pretty sure I know what has happened and I shall try to explain in the least convoluted way possible.

My step father very sadly died last year leaving a lot of debts and the house which had been mortgaged as an endowment mortgage. However, before he passed on he cashed in the endowment policy and so for my mum, unfortunately it wasn't a simple matter of taking the policy on but taking out an entirely new morgage which my mother could not do as she is too old/not earning enough. The only way around it was to take out a mortgage in joint names which we did with Nationwide whom the original mortgage had been with.

Nationwide had frozen the mortgage for 6 months until everything could be sorted out whereupon the new mortgage was put into place and payments began. Shortly after I received a letter threatening repossession due to non-payment. I was furious and really upset and wrote a letter back and a few days later received a very apologetic phonecall telling me not to worry, it was a mistake blah blah and thought that was it. Until today. When I checked my credit report. They seem to have put the old mortgage on my report which as the start date is 1992 and I was in primary school is unlikely to say the least, but the 6 months non payment is the time that they froze the account.

Obviously I need to contact Nationwide but I'm not sure exactly what to say - I had thought everything had finally been sorted out and I could move on, it's just emotionally draining to have to go through it all again after a year and a bit.

Any advice would be much appreciated!

chattychappy · 29 October 2010 at 7:58PM

I think you've explained it pretty well here - so I would put this into a letter and send recorded delivery to Nationwide, perhaps attaching a copy of the credit report since you have it. Ask them to fix it - from what you say, the mortgage was frozen, not by virtue of payment difficulties but because of practical expediency. During this time, no payments were due and therefore no payments were late. This was acknowledged as being the case in their phone call (useful if you've got the details).

I wouldn't be surprised if they don't fix it first time around.

In primary school in 1992? I was already out of university by then. Things aren't all bad for you!