Vodafone and credit score

BPPete

Hi all,
This is my first post and thank you to any advice offered. 
I had a pay monthly sim with Vodafone. The data service for my postcode was not as advertised and I complained. They closed the account and said there was nothing left to pay, this was in July. In September I received an email from a debt collection agency, Capital Resolve. I actually thought it was spam but called Vodafone to be sure. The outstanding debt was £15. After a bit of faff as I had forgotten the passwords, they apologised profusely and wrote off the debt. I've just bought a new house and was trying to purchase some furniture in the sales, making use of any 0% finance if available. I was rejected for every soft search undertaken. I checked my credit score to find Vodafone had logged 2 unsettled debts and 3 missed payments between September to November. Again, Vodafone immediately removed the markers but this time I was not happy. They said they could not offer compensation as I am no longer a customer. I asked to make a complaint but they said that the complaint was dealt with during the phone call and not upheld. I have sent an email to Vodafone outlining my complaint with details and asked for a letter of deadlock to raise this with the ombudsman. This really has cost me as I have now had to credit card some of the purchases. Is there anything else I can do? Many thanks again for your thoughts. 
  

smashinglynaive

Ultimately the mistake was resolved.  Although there are ADRs for telecommunications I'd expect little other than a small token amount of compensation after a long wait.

The furniture items didn't need to be purchased on credit, that was your choice, so I don't see an Ombudsman agreeing for you to be reimbursed the interest charge.  Neither was it a guarantee that you would be accepted for the 0% finance anyway.

BPPete

smashinglynaive said:

Ultimately the mistake was resolved.  Although there are ADRs for telecommunications I'd expect little other than a small token amount of compensation after a long wait.

The furniture items didn't need to be purchased on credit, that was your choice, so I don't see an Ombudsman agreeing for you to be reimbursed the interest charge.  Neither was it a guarantee that you would be accepted for the 0% finance anyway.

Thank you. As much as I dislike the advice, sadly you're probably correct. It almost feels libellous to negligently do so much damage to a credit score.   

MovingForwards

BPPete said:

smashinglynaive said:

Ultimately the mistake was resolved.  Although there are ADRs for telecommunications I'd expect little other than a small token amount of compensation after a long wait.

The furniture items didn't need to be purchased on credit, that was your choice, so I don't see an Ombudsman agreeing for you to be reimbursed the interest charge.  Neither was it a guarantee that you would be accepted for the 0% finance anyway.

Thank you. As much as I dislike the advice, sadly you're probably correct. It almost feels libellous to negligently do so much damage to a credit score.   

The credit score you see is for your fun, it's not used by institutions when assessing applications, they have their own internal algorithms.

MattMattMattUK

BPPete said:

smashinglynaive said:

Ultimately the mistake was resolved.  Although there are ADRs for telecommunications I'd expect little other than a small token amount of compensation after a long wait.

The furniture items didn't need to be purchased on credit, that was your choice, so I don't see an Ombudsman agreeing for you to be reimbursed the interest charge.  Neither was it a guarantee that you would be accepted for the 0% finance anyway.

Thank you. As much as I dislike the advice, sadly you're probably correct. It almost feels libellous to negligently do so much damage to a credit score.   

As others have said your credit score is an entirely meaningless number, so ignore it. Also whilst unpaid debt flags on your credit report may have been a factor, thr far bigger one will have been having just moved and having a new mortgage.