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Bham Midshires damaged my credit file saying I had missed April's mortgage payment when I had not.
loveandlight
Posts: 1,200 Forumite
Title says it all really. I was horrified to discover Bham Midshires reported to my credit file as having missed a mortgage payment in April when I had not. I can prove it was paid. Ive been trying for a week to get through to them by phone without success. What advice can people give me please to sort this out as quickly as possible?
0
Comments
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Keep trying.
You might also want to raise a dispute via the impacted CRAs.1 -
Try to file a notice of correction with Equifax and Experian, your lender will have 14 working days to reply and correct the mistake. Otherwise try to complain with the bank
I had an issue with Thames Water, they phoned me and told me they would remove the missed payment on my credit file1 -
So is there more to the story than this ? Do you pay by DD/SO and you can prove it's a systems issue ? Is there a history of late payment that they've not reported and this was a final straw for them ?0
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firstimebuyer1993
Did Thames Water contact you after you filed a notice of correction?0 -
k31vc
No history of late or missed payments.0 -
Not until they called me to tell me they will remove the missed payments from my fileloveandlight said:firstimebuyer1993
Did Thames Water contact you after you filed a notice of correction?0 -
firstimebuyer1993
So you filed a notice of correction AFTER Thames Water called you to tell you they would remove the missed payments from the file? Thanks.0 -
How was the payment made. Direct debit?loveandlight said:I can prove it was paid.0 -
Thrugelmir
yes0 -
No, I filed on 08/07 on Equifax and Thames Water called me on 17/07 I thinkloveandlight said:firstimebuyer1993
So you filed a notice of correction AFTER Thames Water called you to tell you they would remove the missed payments from the file? Thanks.1
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