Is this going to give me a negative on my credit report?

*Kat*

I signed up for Credit Expert where they will mail me when something changes on my report.

Today I get an email saying that Orange have added 1,2 late payments a yellow block on my report thing.

Well, I don't think it's really fair tbh. I cancelled the DD when the RBS messed up my money and I had no money to pay any of my bills, when I got the bill in the post I paid it online the same day and reinstated my DD through orange and RBS.

I get no letters or anything except maybe 3 weeks ago I got a letter saying they're cutting me off because I owe 2 months. I went to hte bank and they said the DD was reinstated and Orange just has to take the money from my account.

Is there anything I can do? Or is it not a big deal?

MissSarah1972

*Kat* wrote: »

I signed up for Credit Expert where they will mail me when something changes on my report.

Today I get an email saying that Orange have added 1,2 late payments a yellow block on my report thing.

Well, I don't think it's really fair tbh. I cancelled the DD when the RBS messed up my money and I had no money to pay any of my bills, when I got the bill in the post I paid it online the same day and reinstated my DD through orange and RBS.

I get no letters or anything except maybe 3 weeks ago I got a letter saying they're cutting me off because I owe 2 months. I went to hte bank and they said the DD was reinstated and Orange just has to take the money from my account.

Is there anything I can do? Or is it not a big deal?

I would write to credit control at Orange and put it all in writing asking for the late payment marks to be taken off if possible. State how long you have had the account for and that (hopefully) you have never been late with a payment. See what they say.

However if it stays the same (the yellow marks) this shows you have been a late payer and shows how many payments were late. Yes it can effect your credit rating but not too badly at that stage.

Try to write to them, it's worth a go.

*Kat*

Okay, I will try thank you, and I've never ha a late payment before, is it worth getting a letter from RBS too? Ad sending that aloh with it?

MissSarah1972

*Kat* wrote: »

Okay, I will try thank you, and I've never ha a late payment before, is it worth getting a letter from RBS too? Ad sending that aloh with it?

Anything is worth a try, they can only say no. Good luck.