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credit report/mini credit question
bananamans_left_nut
Posts: 2 Newbie
I currently owe mini credit £218, i defaulted on a few payday loans a while ago and entered into a dmp, OPOS have been collecting on micro/mini credits behalf and no payments have been missed in around 18 months.
Unfortunately on my credit file it shows as micro credit being the lender, and that i owe them over £2000, with payments being defaulted every month. Obviously this has destroyed my rating, i dont owe them this money and opos have been receiving payments as agreed
Ive been in contact with micro credit who are saying they wont alter the information until ive paid off opos, any suggestions as to how i can deal with this ? (obviously just paying off opos is a sensible option! but the damage done to my credit report wont be fixed instantly either)
ive contacted the ombudsman, and have again contacted micro credit but i dont see how this can be legal ? they are basically putting incorrect information on my credit file
Unfortunately on my credit file it shows as micro credit being the lender, and that i owe them over £2000, with payments being defaulted every month. Obviously this has destroyed my rating, i dont owe them this money and opos have been receiving payments as agreed
Ive been in contact with micro credit who are saying they wont alter the information until ive paid off opos, any suggestions as to how i can deal with this ? (obviously just paying off opos is a sensible option! but the damage done to my credit report wont be fixed instantly either)
ive contacted the ombudsman, and have again contacted micro credit but i dont see how this can be legal ? they are basically putting incorrect information on my credit file
0
Comments
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The data on your file seems correct to me. You still owe them, whoever is collecting the money.
And if you're in a DMP then each month is likely to be a defaulted payment.0
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