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How does Partial Payments get Recorded on Credit File
melanie27070
Posts: 1 Newbie
I have been in a DAS since Nov 2021. One of the lenders on my Experian Credit file has accepted the agreement but has marked me as missed payments due to not making the contractual amount of payment each month. They have put me down as 6 months missed payment and marked my credit file with a marker 6 for over a year. Recently they changed this to good standing for 3 months and then started the count again for missed payments. They have admitted that it should be all marker 6 but refuse to change it. Surely this is not acceptable? My account is not in good standing and I have not just started missing payments. This now looks as if I'm not paying my DAS. Any advice would be appreciated.
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Comments
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Ignore it, it doesn't matter at this point.
Once your DAS is finished, then you do a credit file clean up, but not until.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0
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