Sister ruined my credit score, please help!

hamishjim

Hi,

A couple of years ago, before my sister was 18, I got a mobile phone contract out in my name for her, which she paid via her own bank account. (Yes, I now know that this was stupid and I kick myself daily for it ).

I've just ran a soft credit score search with ClearScore, and thanks to my sister repeatedly not paying her bills on time, it is listed on my account as 'has been in serious arrears' :mad:

I wonder if there is any way I can change this? Could I contact EE to explain that the lack of payments was not done on my behalf? My sister was listed as the second name on the account at the time.

Any help would be much appreciated!

Hazzinho

Not much you can do as it's correctly in your name. Close the account and pay it off, it's your debt not your sisters, they provided the phone because of your credit not hers. Perhaps EE can come to an agreement if you pay it off, can't hurt to try.

shortcrust

I'm afraid that you're responsible for the account so they'll rightly say that you should have ensured that the bills were paid regardless of what your sister did or didn't do. The info on your credit report is accurate. You signed an agreement and you broke it.

I guess there's a chance if you explain the situation and offer to bring the account up to date (i.e. pay all the money you* owe them) they might remove/amend the 'bad' data they've put on your credit file. Asking them is the only way to know. I would do it in writing and be conciliatory - definitely not confrontational.

Good luck. It's a horrible thing to happen. Family/friends and money can be a terrible mix.:(

(*and remember it is you that owes the money)

stclair

You could try dropping them an email explaining the situation and asking them nicely to update your credit file.

creditfilequery@everythingeverywhere.co.uk

Thrugelmir

hamishjim wrote: »

Any help would be much appreciated!

Pay the arrears. It's your credit record.

rizla_king

Sadly it was you who ruined your credit score not your sister, by taking out an account in your name and not doing the due diligence, which was your responsibility, to make sure it was always paid in full and on time. Not saying to be harsh, but because people need to realise that when taking out accounts.

DCFC79

What you should have done is paid the bills yourself and your sister paid you for the bill each month. At least doing it this way your in control of the payment of the bills.