CC reported wrong info on credit record.

robroe

In around 2008 in had a credit card with Mint which after moving house i forgot about and it got passed to debt collection and i payed it off. Last month I went about reclaiming charges from Mint which I got £100 of £168 back which I was more than happy with, however when looking at my credit file i realized rather than the 6 defaults they should have recorded they recorded 10, some of which were well after the debt was passed onto whoever. I then re-wrote to Mint stating this and asked as a gesture of goodwill to remove all the records and they admitted there mistake. However they said they could only re-adjust the incorrect ones.


My question is should and if so what compensation I should ask off Mint.

My argument against this is they could have resulted in rejection for credit. Yes I do understand that the difference between 6 and 10 defaults is little as even 6 has trashed my credit record.


Thanks!!

island2

I doubt you will get any more than a nominal amount for your time. Any number of defaults more than two or three will be more or less the same in the eyes of most lenders.

m00m00

a default is a very specific thing, Mint will have not recorded 6 defaults

what they will have done is late payment markers, which is very different indeed from a default

blacksta

m00m00 wrote: »

a default is a very specific thing, Mint will have not recorded 6 defaults

what they will have done is late payment markers, which is very different indeed from a default

Spot on

I was worried when the poster mentioned 6 defaults on an account

but i am sure he was referring to 6 missed payments

robroe

sorry yes i was

YorkshireBoy

robroe wrote: »

My question is should and if so what compensation I should ask off Mint.

My argument against this is they could have resulted in rejection for credit.

It's a very weak argument in my opinion. You'll find it very difficult to get compensation for something that "could" have happened.

You could try escalating the complaint but, as you say yourself, you've little to gain really as regards your credit file.

robroe

thanks for your replies. Think i will just take it as a win that i got it changed!