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Missed payments showing on Transunion - incorrect

kee89
Posts: 17 Forumite

Hoping someone can help - I'm in the process of applying for a mortgage. I've checked my credit report with the three credit agencies and have seen on my Transunion report there is information on there that shouldn't be.
It is a HP with VW Finance - first opened in March 2014. The account is under "open accounts" section, but is showing as "settled". However, for every month for the last 6 years it is showing as missed payments.
I did default on this account back in 2015, and over the last two years I've been making monthly payments to Blake Morgan to clear the debt.
I'm confused as to why it's still open and showing as missed payments even though it's marked as "settled".
I have disputed this information twice over recent months, but getting nowhere. Can anyone help?
It is a HP with VW Finance - first opened in March 2014. The account is under "open accounts" section, but is showing as "settled". However, for every month for the last 6 years it is showing as missed payments.
I did default on this account back in 2015, and over the last two years I've been making monthly payments to Blake Morgan to clear the debt.
I'm confused as to why it's still open and showing as missed payments even though it's marked as "settled".
I have disputed this information twice over recent months, but getting nowhere. Can anyone help?
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Comments
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If you defaulted, then it should be showing as defaulted each month, though missed payment is similar. If its not yet paid off, then it's open.
It will drop off your files 6 years from default.0 -
Deleted_User said:If you defaulted, then it should be showing as defaulted each month, though missed payment is similar. If its not yet paid off, then it's open.
It will drop off your files 6 years from default.
That's strange, it should have dropped off by now then as the default was in 2015.0 -
Are you sure it was marked as defaulted? If it's showing missed payments, strongly suggests it wasn't.
You'd be best off to argue for a backdated default.0 -
Pretty certain - I had to go to a specialist mortgage lender because of it. The account doesn't appear on my Experian report anymore but still on Transunion for some reason.0
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kee89 said:Pretty certain - I had to go to a specialist mortgage lender because of it. The account doesn't appear on my Experian report anymore but still on Transunion for some reason.0
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Deleted_User said:kee89 said:Pretty certain - I had to go to a specialist mortgage lender because of it. The account doesn't appear on my Experian report anymore but still on Transunion for some reason.
Got a feeling they reported the default to Experian back in 2015, and that's why it's no longer there, and didn't do the same for Transunion. How do I go about getting them to back date a default?! Do I need to get in touch with VW directly?0 -
kee89 said:Deleted_User said:kee89 said:Pretty certain - I had to go to a specialist mortgage lender because of it. The account doesn't appear on my Experian report anymore but still on Transunion for some reason.
Got a feeling they reported the default to Experian back in 2015, and that's why it's no longer there, and didn't do the same for Transunion. How do I go about getting them to back date a default?! Do I need to get in touch with VW directly?0 -
Deleted_User said:kee89 said:Deleted_User said:kee89 said:Pretty certain - I had to go to a specialist mortgage lender because of it. The account doesn't appear on my Experian report anymore but still on Transunion for some reason.
Got a feeling they reported the default to Experian back in 2015, and that's why it's no longer there, and didn't do the same for Transunion. How do I go about getting them to back date a default?! Do I need to get in touch with VW directly?
Cheers! I've sent them a polite email with ICO guidance quoted so I'll see what sort of response I get... fingers crossed!0
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