John Lewis Written Off Store Card

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sarahkmv
sarahkmv Posts: 125 Forumite
in Credit file & ratings
Hi,

Apologies if this is in the wrong place.

Basically John Lewis messed up my old style account card which was shut down (everyone's) at the end of September. I had a zero balance bit their system said I owed 76 pounds. After much tooling and froing they have said they were wrong and have "written off the debt".

My question is will this have a negative effect on my credit rating or make no difference?
Thanks for reading!

Comments

  • cifpower
    cifpower Posts: 6,502 Forumite
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    Have a look and see
  • thebritishbloke
    thebritishbloke Posts: 1,472 Forumite
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    Check your reports in a few months.
    Credit 'Score' - Don't buy the credit 'score' that Experian, Equifax and Noddle want to sell you. It's an arbitrary number that means nothing when it comes to applying for credit.

    ALWAYS HAVE A DIRECT DEBIT SET UP FOR THE MINIMUM PAYMENT ON YOUR CREDIT CARDS, REGARDLESS OF WHETHER YOU PLAN TO LOGIN AND PAY EACH MONTH.
  • sarahkmv
    sarahkmv Posts: 125 Forumite
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    Thanks!
    I was hoping not to wait a couple of months to have to mess about. It's only just been sorted so it's be easier to amend it now, rather than months down the line.
  • thebritishbloke
    thebritishbloke Posts: 1,472 Forumite
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    If you're not planning on applying for any credit anytime soon I wouldn't worry about it. All you can do in the mean time is ask John Lewis what they mean by written off.
    Credit 'Score' - Don't buy the credit 'score' that Experian, Equifax and Noddle want to sell you. It's an arbitrary number that means nothing when it comes to applying for credit.

    ALWAYS HAVE A DIRECT DEBIT SET UP FOR THE MINIMUM PAYMENT ON YOUR CREDIT CARDS, REGARDLESS OF WHETHER YOU PLAN TO LOGIN AND PAY EACH MONTH.
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