Is there much discretion for banks to remove missed payments on credit record?

D3xt3r5L4b

Why would they remove an accurate report on what happened?

Jumblebumble

D3xt3r5L4b said:

Why would they remove an accurate report on what happened?

Well if it were Amex who pride themselves on customer service then they have been known to remove missed payments
As an aside It is nonsense to as others suggest that any credit granter has to report anything
For instance my understanding is that if less than £5.00 is not paid off  on a Barclaycard then no reports are made

bradders1983

Jumblebumble said:

D3xt3r5L4b said:

Why would they remove an accurate report on what happened?

Well if it were Amex who pride themselves on customer service then they have been known to remove missed payments

As a one off goodwill gesture, maybe so. They arent going to do this every single time.

SpreadableToast

Jumblebumble said:

D3xt3r5L4b said:

Why would they remove an accurate report on what happened?

Well if it were Amex who pride themselves on customer service then they have been known to remove missed payments
As an aside It is nonsense to as others suggest that any credit granter has to report anything
For instance my understanding is that if less than £5.00 is not paid off  on a Barclaycard then no reports are made

Nobody has said that though.

What has been said is that whatever is reported has to be accurate, which is entirely different.  Not reporting anything is a matter of what's said in the contract between the lender and the CRA.  If they're allowed to selectively report then that's fine.  If they're not then the CRA may take action.

ShaunEagle

In default from Vodafone from 2018, haven't had a Vodafone account since 2006. Why is does the default still show 8 years after and how do I sort it out. To improve my credit score.

bradders1983

You need to write to them and sort it out. Templates are available online 

D3xt3r5L4b

ShaunEagle said:

In default from Vodafone from 2018, haven't had a Vodafone account since 2006. Why is does the default still show 8 years after and how do I sort it out. To improve my credit score.

No. Not to improve your “score”