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credit file confusion - help!
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Billsown
Posts: 12 Forumite

Hi Everyone.
Back in May I noticed that our mortgage provider, HSBC has applied a late payment marker to my credit file. I discovered this when I logged on to my MSE credit club. We had successfully applied for a payment holiday so I contacted the bank who apologised in writing ( via secure message) and said that they would remove the late payment marker. The member of staff requested that our late payment marker be removed on June 1st.
I logged into my MSE credit club today and my dashboard is still saying that I have a late payments. I have gone through each account on my experian credit report and there are no late payment markers showing for any of my accounts, including my mortgage - they removed the marker as they said they would. My MSE credit club was updated on 12th June.
Does the information on the MSE credit club dashboard update constantly, or is it just a case that the late payment marker hadn't been removed by June 12th when the dashboard was last updated?
Thanks in advance
Back in May I noticed that our mortgage provider, HSBC has applied a late payment marker to my credit file. I discovered this when I logged on to my MSE credit club. We had successfully applied for a payment holiday so I contacted the bank who apologised in writing ( via secure message) and said that they would remove the late payment marker. The member of staff requested that our late payment marker be removed on June 1st.
I logged into my MSE credit club today and my dashboard is still saying that I have a late payments. I have gone through each account on my experian credit report and there are no late payment markers showing for any of my accounts, including my mortgage - they removed the marker as they said they would. My MSE credit club was updated on 12th June.
Does the information on the MSE credit club dashboard update constantly, or is it just a case that the late payment marker hadn't been removed by June 12th when the dashboard was last updated?
Thanks in advance
0
Comments
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MSE credit club doesn't update daily - just a once a month run - so the information on the removal of the late payment may not have reached them in time. Wait until the next run - and see if it's still there then.1
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The main thing is that the payment marker it is removed from your Experian credit file - if you have an up-to-date report that says it has been then that's all that matters. The extra MSE stuff is all just marketing garbage at the end of the day - it'll update in due course, but you'd be wise to ignore it as it's usually just trying to get you to build your "score" so they can sell you things.0
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