Making a fresh financial start ... credit file question

Nikkiev27

Hello..

I am after some advice, while checking our credit files I have noticed thata bank account in hubby’s name shows late payment 5+ months of £10, now whathappened was he got a new mobile phone and during the application they askedfor a bank details to confirm his identity, as I was doing the application forhim while he was at work I just grabbed a card for a bank that is NEVER used! (Openedyears ago to transfer bank but typical hubby never got round to it). All wentthrough fine but when it came to the bill he got a text to say payment had beenrefused and was overdue. When he called he said he had never set up a DD sothey took his details.

But what looks like has happened is they have tried to take a payment fromthis account and the bank have refused and charged £10. I only discovered thisrecently when filing bank statements his last statement shows £ 10 O/D the bankhad changed him for bounced payment and looks like for the past 5 months thishas shown on his credit file as late payment!

I have obviously paid in the £10 to clear the account but is there anythingI can do for his credit file? Notice of correction to explain it was a sillymistake? Should I contact the bank and explain?

Thanks for reading I look forward to hearing any advice you may have