Missed monthly payment on credit file

Scorpio5555

Looking for some help as I am hoping to get a mortgage soon.  My energy provider has said I missed my monthly payment in October but I was told by them to cancel my direct debit as they where changing it from £100 to £290 which I challenged and paid £150 over the phone.  I now have an arrangement for a new direct debit for £150 per month from November onwards, but they have said that even though have I paid it each month but because I did not clear the whole balance at the end of October then it goes as I missed payment for October.  I have challenged this with Equifax and Eon but they are refusing to change the U on my credit file.

HeinzVarieties

A U marker is not a negative.

Next time don't cancel the DD.

dr_adidas01

Scorpio5555 said:

Looking for some help as I am hoping to get a mortgage soon.  My energy provider has said I missed my monthly payment in October but I was told by them to cancel my direct debit as they where changing it from £100 to £290 which I challenged and paid £150 over the phone.  I now have an arrangement for a new direct debit for £150 per month from November onwards, but they have said that even though have I paid it each month but because I did not clear the whole balance at the end of October then it goes as I missed payment for October.  I have challenged this with Equifax and Eon but they are refusing to change the U on my credit file.

U stands for ‘Unclassified’. It is often the status recorded when an account is newly opened and the lender does not have any other activity to report on the account. U markers are neutral, so are not regarded positively or negatively by lenders.

So it will make little difference to your Equifax file. 

Scorpio5555

dr_adidas01 said:

Scorpio5555 said:

Looking for some help as I am hoping to get a mortgage soon.  My energy provider has said I missed my monthly payment in October but I was told by them to cancel my direct debit as they where changing it from £100 to £290 which I challenged and paid £150 over the phone.  I now have an arrangement for a new direct debit for £150 per month from November onwards, but they have said that even though have I paid it each month but because I did not clear the whole balance at the end of October then it goes as I missed payment for October.  I have challenged this with Equifax and Eon but they are refusing to change the U on my credit file.

U stands for ‘Unclassified’. It is often the status recorded when an account is newly opened and the lender does not have any other activity to report on the account. U markers are neutral, so are not regarded positively or negatively by lenders.

So it will make little difference to your Equifax file. 

Sorry my mistake it was actuality an X, it clearly says that a X means a missed month.  I never missed a month as I paid over the phone when my direct debit was stopped.

Scorpio5555

HeinzVarieties said:

A U marker is not a negative.

Next time don't cancel the DD.

My mistake it was actually a X which is definitely a missed month.  I was advised on the phone from Eon to cancel as they where trying to triple my direct debit.  Until it was sorted I paid over the phone so no missed monthly payments and they are saying they won’t change my credit report due to not clearing the whole balance even though no one told me I had to.  Any help appreciated?

porkisnotmeat

Scorpio5555 said:

HeinzVarieties said:

A U marker is not a negative.

Next time don't cancel the DD.

My mistake it was actually a X which is definitely a missed month.  I was advised on the phone from Eon to cancel as they where trying to triple my direct debit.  Until it was sorted I paid over the phone so no missed monthly payments and they are saying they won’t change my credit report due to not clearing the whole balance even though no one told me I had to.  Any help appreciated?

Equifax say it means the account has been transferred.  That's not "definitely a missed month" it's transferred.

1, 2, 3 markers are missed payments in order of how many months in arrears you are.

Scorpio5555

porkisnotmeat said:

Scorpio5555 said:

HeinzVarieties said:

A U marker is not a negative.

Next time don't cancel the DD.

My mistake it was actually a X which is definitely a missed month.  I was advised on the phone from Eon to cancel as they where trying to triple my direct debit.  Until it was sorted I paid over the phone so no missed monthly payments and they are saying they won’t change my credit report due to not clearing the whole balance even though no one told me I had to.  Any help appreciated?

Equifax say it means the account has been transferred.  That's not "definitely a missed month" it's transferred.

1, 2, 3 markers are missed payments in order of how many months in arrears you are.

I just checked Kredit Karma again and it clearly says an X is a missed month.

porkisnotmeat

Scorpio5555 said:

porkisnotmeat said:

Scorpio5555 said:

HeinzVarieties said:

A U marker is not a negative.

Next time don't cancel the DD.

My mistake it was actually a X which is definitely a missed month.  I was advised on the phone from Eon to cancel as they where trying to triple my direct debit.  Until it was sorted I paid over the phone so no missed monthly payments and they are saying they won’t change my credit report due to not clearing the whole balance even though no one told me I had to.  Any help appreciated?

Equifax say it means the account has been transferred.  That's not "definitely a missed month" it's transferred.

1, 2, 3 markers are missed payments in order of how many months in arrears you are.

I just checked Kredit Karma again and it clearly says an X is a missed month.

It's not a missed month.  A missed month would be 1 for the first, 2 for the second etc.

Scorpio5555

porkisnotmeat said:

Scorpio5555 said:

porkisnotmeat said:

Scorpio5555 said:

HeinzVarieties said:

A U marker is not a negative.

Next time don't cancel the DD.

My mistake it was actually a X which is definitely a missed month.  I was advised on the phone from Eon to cancel as they where trying to triple my direct debit.  Until it was sorted I paid over the phone so no missed monthly payments and they are saying they won’t change my credit report due to not clearing the whole balance even though no one told me I had to.  Any help appreciated?

Equifax say it means the account has been transferred.  That's not "definitely a missed month" it's transferred.

1, 2, 3 markers are missed payments in order of how many months in arrears you are.

I just checked Kredit Karma again and it clearly says an X is a missed month.

It's not a missed month.  A missed month would be 1 for the first, 2 for the second etc.

Sorry you are mistaken you said previously it meant my account was transferred and I’m still with Eon, maybe an X means something different on Equifax, but on Credit Karma it clearly states a missed month.

porkisnotmeat

Scorpio5555 said:

porkisnotmeat said:

Scorpio5555 said:

porkisnotmeat said:

Scorpio5555 said:

HeinzVarieties said:

A U marker is not a negative.

Next time don't cancel the DD.

My mistake it was actually a X which is definitely a missed month.  I was advised on the phone from Eon to cancel as they where trying to triple my direct debit.  Until it was sorted I paid over the phone so no missed monthly payments and they are saying they won’t change my credit report due to not clearing the whole balance even though no one told me I had to.  Any help appreciated?

Equifax say it means the account has been transferred.  That's not "definitely a missed month" it's transferred.

1, 2, 3 markers are missed payments in order of how many months in arrears you are.

I just checked Kredit Karma again and it clearly says an X is a missed month.

It's not a missed month.  A missed month would be 1 for the first, 2 for the second etc.

Sorry you are mistaken you said previously it meant my account was transferred and I’m still with Eon, maybe an X means something different on Equifax, but on Credit Karma it clearly states a missed month.

What does your TransUnion report state?