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Old unpaid Severn Trent bill reappear in my credit report as missed payments
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ben78D
Posts: 1 Newbie

This is my first post here and can anyone please help how to get rid of my old bill reappearing in my credit report after it was removed.
I was living in my previous address from Dec 2012 to Oct 2015. I never paid any water bill because I thought that the water is included in my rent. Nevertheless I had a debt registered in my credit report from Jan 2013. And in Jan 2019 I checked that the debt disappeared from credit report and my score was boosted massively. Recently I noticed that this debt reappeared as 4 missed payments since Dec 2019.
Can anyone tell me is it possible for debt to reappear after it was removed. And what can I do to sort it out. I really want this debt not appearing in my file. I don’t mind paying it as long as it doesn’t show in my file at all because applying for mortgage.
Any genuine advice would be massively appreciated
Any genuine advice would be massively appreciated
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Comments
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It can only remain on your file for 6 years from default or closure.
However, if not statute barred and they successfully get a CCJ, that will appear for a further 6 years.
You can avoid the CCJ by paying it within a month,, but you'll want to make sure they have your current address.1 -
It doesn't look to gave defaulted.
You could ask them to back date a default. Or pay it and get it settled before applying for your mortgage.
I wouldn't let it fester any longer though.0 -
It is a slightly odd on e- the data must be accurate of course and if it now looks like a new debt accruing from Dec 2019, then it isn't. Utilities are allowed to record credit data of course, but there do seem to be too many examples of them getting it wrong.0
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