Virgin media late reporting

ukman2012

Last year April noticed, that there was a default on my file for virgin media, had never received any miss payments.  What had happen as you know virgin media normally has special offers for 2 years, so happen to be the sales rep told me for me to get the new deal, i would have to cancel, wait 3 days, then re-join. So I did.  What then happen was something i was not aware, all virgin do is open using the same account number but a different set of 2 number at the end, like 01, 02, 03, meaning the number of accounts open at that address.

So to cut a long story short, i was on the system and being sent my current bill but the old account was not generating as there was a new account.  So because virgin had not received the final bill payment, my name was pass on to the debt collector. I had received a call from virgin but when i gave them my account number they didn't noticed I was giving my current account number with the 03 at the end which showed an active account and in credit and left it, until doing a credit check to see that my name was on there.

Upon calling virgin, even though they acknowledge the error said there was not much that could be done, until I settle the amount outstanding, £250, that was paid and they said they would update with the credit agencies, until today I was apply for a re-mortgage only for it to be denied due to a default , quickly re-join Experian £14.99 only to see that the virgin default is still on my file, but what pisses me off, that was reports and dealt with in 2020 but was marked as satisfied on the Experian report at 07/07/21, a full year after they were paid.

I've emailed them and the ombudsman, but need to wait for a reply in 10 days.  This is the only thing on my report keeping my score low at 834, and what is funny Experian is recommending that i up my credit limit to over £4000 to increase my points to another 50 points.  So in theory telling me to get more debt so I can have more points.  I've always avoided credit/debt and just so that my points can get higher I need to get it.

Besides my mortgage the only thing i have as debt is my mobile phone contract.

[Deleted User]

Ignore all the nonsense about points. Credit score points have no value and relevance to you getting credit. Only the data matters. 

Don't pay to view your credit reports - go via the free routes - MSE, Credit Karma and Clearscore. Monitor all three to ensure the data is correct and any errors corrected.  

If you've avoided credit, you'll have a thin file and be more of a risk to lenders, so you may want to rethink your strategy. Having credit doesn't mean getting into debt.

ukman2012

Thank you, will have to take this onboard.