Indigo Michael misreporting?

lulucul

Hello, can anyone help me? I recently discovered that a company called Indigo Michael who have a product called SafetyNet credit have reported stage 6 'late' payments on my equifax credit report since October 2016! Now, don't get me wrong, I knew I had an account with them but the only correspondance I have from them is reviews of my credit limit (which was never withdrawn) via email into my junk mail. There was no monthly amount to pay and I had ceased using any credit with them 2 years ago and had a small balance to repay (which i did immediately when all this became apparent).

Can i contest this reporting? They didn't formally 'default' the account or issue default notice, they didn't make me aware I had 'arrears' but sent me 4 emails over 2 years to advise they had reviewed my credit limit and give me the new limit (as I was no longer using the facility) nor did they add interest to the small balance I had for 2 years. Stupidly I only ever checked Experian, with whom Indigo Michael Ltd did not report to, I now know I should have been on top of it with both credit agencies.

Any advice would be greatly appreciated.
Thanks

[Deleted User]

So you did owe them money that you paid back recently?

The markers would be late payment markers.

You can ask them to backdate the late payments and apply a default. It depends why benefit you’re looking to get from it