Clearscore shows missed payment in 2019??? 26 September 2022 at 8:28AM in Credit file & ratings 5 replies 132 views

[Deleted User]

Hi I have just logged onto Clearscore and whilst my rating is very good I seem to have a missed payment in Nov 2019 on my record from Clydesdale Partner Finance, when I try and find out about it it doesn't give any details and it doesn't show any previous payments on that record to the company. I can only find the last four digits on my clear score account
Anyone help with this?

Ebe_Scrooge

They appear to be part of Barclays Partner Finance - you need to contact them and find out what's occurred.  Bear in mind that Clearscore won't be able to help much - they only report on the data provided to them by the lenders.

[Deleted User]

Thanks, I've managed to speak to Barclays who said it was an agreement for Richer Sounds, I took 0% finance out on the tv in Jan 2019, I paid the full balance off in Dec 2019 after asking for a settlement figure in Nov 2019, it appears the settlement figure expired and they have somehow classed that as a missed payment? All payments were paid on a monthly basis by DD and there was no missed payments. They are send ing me out the paperwork and I am going to dispute this.

Ebe_Scrooge

Deleted_User said:

 I paid the full balance off in Dec 2019 after asking for a settlement figure in Nov 2019, it appears the settlement figure expired and they have somehow classed that as a missed payment?

You'll need to go through the paperwork to double-check - but was this an early settlement figure you requested?  If so, it's possible that the settlement figure was based upon you paying it by a certain date.  If you paid it later than the cut-off then there would be further interest that would accrue.  So, in that scenario, it's entirely possible that you did indeed fail to repay in full.

This is all supposition on my part, just trying to come up with a logical explanation.  Hopefully you'll be able to see for certain when you get the paperwork.

[Deleted User]

Ebe_Scrooge said:

Deleted_User said:

 I paid the full balance off in Dec 2019 after asking for a settlement figure in Nov 2019, it appears the settlement figure expired and they have somehow classed that as a missed payment?

You'll need to go through the paperwork to double-check - but was this an early settlement figure you requested?  If so, it's possible that the settlement figure was based upon you paying it by a certain date.  If you paid it later than the cut-off then there would be further interest that would accrue.  So, in that scenario, it's entirely possible that you did indeed fail to repay in full.

This is all supposition on my part, just trying to come up with a logical explanation.  Hopefully you'll be able to see for certain when you get the paperwork.

Thanks for the advice, the paperwork is getting sent out to me so I'll check it when it arrives, it's bloody annoying if that is the case as there was no missed payments everything was by direct debit and the account was settled in full I believe. anyway I'll see what happens.

Ebe_Scrooge

Yep, hopefully all will become clear - and it may well be that it was an error on their part, in which case you can ask them to remove the marker.

Although, having said that - in terms of your credit file, one missed payment in an otherwise clean history will have such a tiny effect as to be insignificant.  Clearscore may think differently, but that matters not one jot, seeing as how they don't offer finance.  A lender will look at the data and make their own mind up - and one minor blip will not bother them in the slightest.