Virgin on credit report

howzat92

Have noticed on my credit report that Virgin from my Broadband at a previous property has not been removed from “accounts” section of my credit report - current balance says £44 and last updated 20th October 2020. I closed this account around October 2020. 

It does not show any missed payments. 

As far as I was concerned this account was closed and definitely fully paid off. I have called virgin previously and they have told me account is closed and all paid off. Only paying attention to this now as about to apply for a mortgage so was checking my report. 

Will this affect my mortgage application? Do I need to contact a specific department at Virgin as they seem to have no idea and just say the account is closed and I don’t owe anything when I ask customer services? 

zzyzx1221

No, it will have no impact on your mortgage application.

howzat92

zzyzx1221 said:

No, it will have no impact on your mortgage application.

Should I contact anyone and get it taken off anyway as it is incorrect? 

zzyzx1221

howzat92 said:

zzyzx1221 said:

No, it will have no impact on your mortgage application.

Should I contact anyone and get it taken off anyway as it is incorrect? 

Up to you, it's not doing any harm and quite a few companies are considerably behind in reporting due to you know what.

maxximus75

If Virgin are not updating the CRA's showing a zero balance and a closed status, then you can dispute the information as incorrect with the CRA(s) directly.... everything is moving slowly with reporting but I think six months is long enough for your information to be updated.

Another alternative would be an official complaint to Virgin but gain, things are moving slowly.

A mortgage lender is more likely to be looking for a poor repayment history... this Virgin account only shows a good repayment history so it's not a worry.

teachfast

I had this exact same thing from Virgin. This is what you do:

Email: 

CreditFileAmendments@virginmedia.co.uk

Include as many details as possibly, including your old address and account number and any final payment you made. 

They will write back within a fortnight or so saying they will update the record, which they then do. This can take a month or so to filter onto your CRA. 

This route is preferable to disputing with CRAs because it's quicker and deals with all CRAs in one action. 

Narola1976

Just to say that after long last the CRA has finally been updated and shows my account as closed. It has taken since August when I first closed the account, so just need to be patient I suppose.