Equifax Time Machine!

Cell

Hi

I had a Mint Card. In 2010 I rejected a rate increase and, as is now customary, paid it off as fast as I could and lost the use of the card. No problem there.

My last payment was at the beginning of September.

On Equifax everything was recorded correctly, and the latest update shows the card as settled. However on closer inspection it is shown as settled on 27 October 2010. The green blocks for 2011 & 12 have gone.

To all intents and purposes it is shown that my payments have been time shifted, and the date of closure ported back to when I 'closed' the card (in terms of rejecting the rise).

This is patently inaccurate.

My next Noddle report is due in ten days, so I'll see what it has to say, but I wondered if this was standard in anyone's experience?

Thanks in advance to anyone who takes the time to respond:)

Cell

Just hoofing this in the hope that someone can help?

msallen

I've just paid the remaining balance on mine a couple of days ago after also having refused an interest hike somewhere around the same time. I'll still have an interest payment to make next month of course, but when that happens and it finally closes I'll make sure I check this out on noddle (I don't pay for access to the other two) and report back here.

Whilst this is patently incorrect, I don't know that it would particularly harm your credit rating, indeed it could even improve it if (like me) the first year or so after rejecting the hike you just made minimum repayments.

Cell

Thank you:T

Thinking about it I've done it on two MBNA cards, and having just checked they are both recorded correctly.

It just kind of concerns me that essentially what actually happened isn't reflected on the Mint record. It's not a case of whether it affects my record or not so much as the fact that the information held is actually wrong, which it should never be on a credit report.

Gordon_Hose

The data is supplied by your card company, so it would be them who need to amend it.

Have you spoken to them and asked for an explanation as to why the dates are wrong?

Cell

No, not yet.

I posted when I first noticed it.

I am wary, to be honest, of Customer Services departments generally. If it's not important overall then I guess I'll leave it.

If people had come on here saying it's perfectly normal then my query would have been answered without embarking on the never ending merry go round which would inevitably occur if I contacted Mint. I doubt very much whether it's a standard situation that a call centre could resolve in a few minutes.