Vodafone appearing on credit report

[Deleted User]

fizbo wrote: »

I have just noticed the same thing - zero balance Vodafone account corresponding to a long-since cancelled contract on my credit report. I guess I should get this taken off. Part of me is reluctant to do anything as it seems benign at the moment and I fear making something worse in some way... OP if you are around, did you get this resolved successfully please?

In the opened accounts section or closed accounts?

fizbo

Under open accounts - seems to be "accessed" every month but zero

fizbo

So I used the social contact form linked earlier in this thread to message Vodafone about this, and I've not hear anything back from them yet but received a customer survey: 'Following your recent email to our contact centre, we'd like to invite you to answer our 4 question survey regarding the service you received.'

Not sure how to react to this haha :P I guess I'll give them a bit longer to reply to me before filling out the survey...

Chris.HD

Hi,

How do i get rid of Vodafone off my credit report, iv written to them more than once, i have a zero balance, as far as im concerned iv not done business with them for more than 8 years! Can I take then to court ?

[Deleted User]

Chris.HD wrote: »

Hi,

How do i get rid of Vodafone off my credit report, iv written to them more than once, i have a zero balance, as far as im concerned iv not done business with them for more than 8 years! Can I take then to court ?

LOL no you can’t take them to court :rotfl:

Nebulous2

Chris.HD wrote: »

Hi,

How do i get rid of Vodafone off my credit report, iv written to them more than once, i have a zero balance, as far as im concerned iv not done business with them for more than 8 years! Can I take then to court ?

Make a formal complaint in writing, then if it isn’t resolved you can report them to the Information Commissioners Office (ICO)

block10

Im having the same issue with vodafone - an old account from 2017 still appears on my experian report as an "active account". Wonder if it will cause me any issues in returning to vodafone

xlnc99

Im in the same boat. It appears VODA do this to everyone who leaves.

However, i personally have left it alone and have not complained to VODA. i prefer them marking me with green ticks every month. I for one do not understand why people on this thread think that having an open account with green ticks for a long period of time is going to cause harm on your credit file, it will do the exact opposite. Eventually i will get it closed down, but as for now - happy to let it remain.

epm-84

xlnc99 said:

However, i personally have left it alone and have not complained to VODA. i prefer them marking me with green ticks every month. I for one do not understand why people on this thread think that having an open account with green ticks for a long period of time is going to cause harm on your credit file, it will do the exact opposite. Eventually i will get it closed down, but as for now - happy to let it remain.

Aren't too many open credit accounts seen as a bad thing if you're applying for a mortgage? 

jimroy

epm-84 said:

xlnc99 said:

However, i personally have left it alone and have not complained to VODA. i prefer them marking me with green ticks every month. I for one do not understand why people on this thread think that having an open account with green ticks for a long period of time is going to cause harm on your credit file, it will do the exact opposite. Eventually i will get it closed down, but as for now - happy to let it remain.

Aren't too many open credit accounts seen as a bad thing if you're applying for a mortgage? 

I don't think so, as long as the balance is zero and there is no available credit involved it won't make an impact. What will make an impact, and in a positive way, is the impact on the average length of your open accounts. If you have an average of a minimum of six years it has a positive impact on your credit. I got that from the notes and tips from MSE's credit club.
I still have Vodafone showing on my report under Multiple Communications Accounts (probably due to having both mobile and broadband with them) and I left them in October last year. I thought since they didn't auto cancel my direct debit with them that's why I still have an active account with them that they report on. And that come 13 months later when my bank auto cancels it due to inactivity, they would then fully close said inactive account and stop reporting it. But having read @block10 's post above maybe that won't be the case after all.