Bham Midshires damaged my credit file saying I had missed April's mortgage payment when I had not.

loveandlight

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?

[Deleted User]

Keep trying.

You might also want to raise a dispute via the impacted CRAs.

firstimebuyer1993

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 file

k3lvc

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 ?

loveandlight

firstimebuyer1993
Did Thames Water contact you after you filed a notice of correction?

loveandlight

k31vc

No history of late or missed payments.

firstimebuyer1993

loveandlight said:

firstimebuyer1993
Did Thames Water contact you after you filed a notice of correction?

Not until they called me to tell me they will remove the missed payments from my file

loveandlight

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.

Thrugelmir

loveandlight said:

 I can prove it was paid. 

How was the payment made. Direct debit? 

loveandlight

Thrugelmir
yes

firstimebuyer1993

loveandlight 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.

No, I filed on 08/07 on Equifax and Thames Water called me on 17/07 I think