Bank Account / Current Account - showing 'late payments' on credit file

ScotKit

Hi there
I have an old account from Bank of Ireland (UK- Northern Ireland) that for 8 weeks in 2017 was overdrawn by £4.46 (I didn't realise and whacked some £ into it when I got a letter letting me know to put it back into black).  On the basis of that my credit report for that current account is showing as 3 months of cumulative arrears (1, 2 then 3 months of arrears) as the 8 weeks spanned across 3 calendar months.
This seems a tad unfair to me and I have tried several times to tap to the bank but they just ignore me.
I didn't think that banks would report something like this on a current account in this way, and it's really denting my credit score even now 3 years later.
What's the story with something like this?  Stuck with it or any way to legitimately challenge it?

The_Fat_Controller

You have acknowledged it was overdrawn and I guess that was not authorised.
The bank has reported it correctly and no way is it unfair.
You'll just have to live with it until 2023.

[Deleted User]

ScotKit said:

I didn't think that banks would report something like this on a current account in this way, and it's really denting my credit score even now 3 years later.

Also, even though it's denting your pretend credit score, it's going to have very limited impact as far as lenders are concerned.