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Bank Account / Current Account - showing 'late payments' on credit file
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ScotKit
Posts: 9 Forumite

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?
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?
0
Comments
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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.
2 -
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.
2
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