Experian Report, settled and closed account but showing as balance

Abigail1990

Hi

I have an excellent experian score of 988 however when looking at the detailed report I noticed that's one of my pay day loan accounts (I stupidly took one out last year), is showing under 'settled' but is still showing a balance!

All amounts have a green tick next to them which indicates that they were paid on time but there is a balance still showing!!

Can anyone advise?

Blackbeard_of_Perranporth

Yes. You will not get a mortgage because you were stupid to take a pay day loan. Your credit cards will be affected and your overdraft will be recalled by end of this week.

I would change bank now because you will never get another chance!

And pigs also fly!

[Deleted User]

1. If there are discrepancies on your credit files, dispute them with the CRA.

2. Never take another payday loan.

3. Never think that your credit score is real.

Blackbeard_of_Perranporth

Ps my credit score is 197 and I still h@ve a mortgage! And a contract car.!

Abigail1990

Yes, i will never take one again! I'm just confused as to why it is shown as settled and why the supposed balance has a green tick (which means payments up to date)...

[Deleted User]

Maybe they aren't reporting it to the CRA correctly.

Contact them and ask