Two blips on scoring

Padsnbon

Three years ago my daughter was house sharing with two other people on a rental property. It was run by an agency on behalf of the owner. My daughter paid her part of the rent to one of the other housemates and he was supposed to pay it to the agency but he paid it in late. This happened twice in consecutive months. Since then they have gone their separate ways, a huge falling out, and my daughter has moved away from the area.
On checking her credit with Credit Score she has two marks that tie in with the above mentioned delay in payments. She has approached the Estate Agency to see if they could clear them but they state that they cannot, that the file is closed. The landlady has disappeared off the face of the earth too.
Is there any way she can get these removed? Or will she just have to sit it out and wait for the remainder of the 6yrs. She is desperately trying to build up her score, currently 460 out of 700. She works in a motorbike shop and asked if she could buy a bike on finance with them, they have stated no. 

[Deleted User]

Firstly, ignore the score, it is never used or seen by anyone but her, no lender ever uses that score, they score internally using the data on the file
Secondly, if she was jointly liable for the debt and it was paid late, the late payment markers are correct. Anyone who reports to a CRA has a duty to report her passed late payments (even if they were not directly her fault, she should have ensured anything she was signed up to was being paid).
Thirdly, while yes, she would have to wait for the 6 years, over time the effects lessen and a well managed credit record (e.g. credit card used and paid off in full every month after the statement is made; contract mobile phone deal paid on time etc) will give her more of a chance. In the meantime, why not save the money she would use for a loan into something like the Virgin 2% current account or a Natwest 3% regular saver (both pay interest up to £1000, the latter via £50 a month contribution cap) so she can buy the bike cash?

ThisnotThat

As these are an accurate representation of what happened, there are no grounds for getting these removed.

Two missed payments 3 years ago will have little impact on how a lender views them at this point.  I suspect the reason for the finance being declined was due to something else.

[Deleted User]

ThisnotThat said:

As these are an accurate representation of what happened, there are no grounds for getting these removed.

Two missed payments 3 years ago will have little impact on how a lender views them at this point.  I suspect the reason for the finance being declined was due to something else.

Indeed, maybe the firm won't lend to employees, I doubt they even did a credit check based on what OP said. Regardless, she doesn't need a bike, she wants one, she can save up.

Padsnbon

Thank you all for your responses.  I will pass on your comments especially the savings advice.   To help with future employment as her hours have been reduced to 3 days a week from full time, she does need transport so as to allow her to expand her employment search. She has a bike licence but not a car licence. Thank you all again

Padsnbon

Padsnbon said:

Thank you all for your responses.  I will pass on your comments especially the savings advice.   To help with future employment as her hours have been reduced to 3 days a week from full time, she does need transport so as to allow her to expand her employment search. She has a bike licence but not a car licence. Thank you all again

To add, when she asked about finance for a motorbike, it was based on full time hours, not her current situation.

[Deleted User]

Padsnbon said:

Thank you all for your responses.  I will pass on your comments especially the savings advice.   To help with future employment as her hours have been reduced to 3 days a week from full time, she does need transport so as to allow her to expand her employment search. She has a bike licence but not a car licence. Thank you all again

So how does she get there at the moment? Why can't she continue to do that until she has saved? A reduction in hours immediately shows why finance isn't the best idea, she could have been stuck with unaffordable debts