Late payment successfully removed

danielfleetwood

Good evening. I had a right game getting Very to remove a late payment from my credit file but had success when going via Experian. They have agreed to remove it from my credit file. My question is, would this only come off my Experian file as I went via them to get this removed or will be update and be removed on all credit reference agencies? Thanks in advance.

[Deleted User]

CRAs report what lenders tell them - if Very report a late payment (which they are allowed to do, there is no reason for them to remove it, assuming it is correct) then Experian will simply put it back on again - the CRAs can't overrule the lender reporting factual information. If Very report to Equifax and TransUnion then you can raise a dispute but it's not going to go away as Very will keep reporting it. However, if Very agree it was wrong, they can remove it.

danielfleetwood

I went via Experian. Very have came back to them stating it was incorrect and the entry will be removed.

I’m wondering whether this will filter through to all CRAs or just Experian.

xlnc99

It depends. From what i can see it looks like only experian will remove it and it will show on the other agencies. It all depends on whether very update their records and have agreed to remove it. But it doesnt really look like thats happened. Looks they replied to experian and experian are doing it for you on behalf of Very.

Whether very bother to do it themselves with the other agencies is anyones guess

danielfleetwood

Very have removed this late marker from all CRAs.