Klarna reported my payment history prior to 1st of June 2022

enquirydummy

I recently tried to get an AIP and was denied due to something on my credit file.

I got a copy of my file and discovered a 4 months late payment of a Klarna debt that was started in August 2020 and paid off in July 2021. The status after July 2021 of this settled debt became IN (Inactive) till July 2022 and shows 4 months non repayments in Aug 22, Sept 22, Oct 22 and Nov 22. Then becomes IN (Inactive) again till Feb 24 where it appears as S (settled).

I have called Klarna and they are not able to explain what happened nor give me any useful information. I have however requested that this be investigated further and have case opened.

Has anyone been through this before, how did they get it resolved?

What can I do in this case if Klarna doesn't get back to me? Where can I get help? How do I get this fixed and removed from my credit file?

Best regards

The enquirydummy

GingerTim

To the OP - please ignore the AI answer from @FlaatusGoat above (they have already given one such AI answer on your other thread, but must have forgotten: https://forums.moneysavingexpert.com/discussion/comment/81186645/#Comment_81186645)

To @FlaatusGoat - please stop posting this AI bilge across the boards, it's not helping anyone and is against the forum rules.

fatbelly

enquirydummy said:

I recently tried to get an AIP and was denied due to something on my credit file.

I got a copy of my file and discovered a 4 months late payment of a Klarna debt that was started in August 2020 and paid off in July 2021. The status after July 2021 of this settled debt became IN (Inactive) till July 2022 and shows 4 months non repayments in Aug 22, Sept 22, Oct 22 and Nov 22. Then becomes IN (Inactive) again till Feb 24 where it appears as S (settled).

I have called Klarna and they are not able to explain what happened nor give me any useful information. I have however requested that this be investigated further and have case opened.

Has anyone been through this before, how did they get it resolved?

What can I do in this case if Klarna doesn't get back to me? Where can I get help? How do I get this fixed and removed from my credit file?

Best regards

The enquirydummy

You have to give them 8 weeks to investigate. Once you get the final response, or if 8 weeks have passed, you can escalate it.

Hopefully they will see this as a mistake and correct it.

If not...

https://ico.org.uk/make-a-complaint/

GingerTim

FlaatusGoat said:

GingerTim said:

To the OP - please ignore the AI answer from @FlaatusGoat above (they have already given one such AI answer on your other thread, but must have forgotten: https://forums.moneysavingexpert.com/discussion/comment/81186645/#Comment_81186645)

To @FlaatusGoat - please stop posting this AI bilge across the boards, it's not helping anyone and is against the forum rules.

With all due respect, the information I shared is not AI-generated but rather the product of thorough research and my understanding of the topic. I aim to contribute constructively to the discussion by offering insights that might help others. If you believe there's a factual error or something unhelpful in my post, I'm happy to clarify or amend it. However, dismissing my contributions as 'AI bilge' without substantiating why they are unhelpful seems counterproductive.

Forums like these thrive on open and respectful exchanges of ideas. If my posts don't align with the forum rules, I'd appreciate specific guidance or examples of what needs adjustment, and I'll take it into account moving forward.

Funnily enough, when I put this post into Quillbot, GPTZero and other AI checkers I get '100% of text is likely AI' and '100% probability AI generated'.

fatbelly

FlaatusGoat said:

Here’s what you can do to try to fix this. First, you should talk to the people who keep track of your credit files, like Experian, Equifax, and TransUnion. Tell them there’s a mistake on your file and they have to look into it and fix it. They have to make sure everything on your credit file is right.

You can also add something called a Notice of Correction to your credit file. This is like a little note that explains what happened and why it’s wrong. So, when someone checks your credit, they can see your side of the story.

You might also think about getting help from a company that fixes credit reports. They can help you understand what’s wrong and work on getting the mistake removed.

Don't do this.

Klarna is the problem. The cras just display the info they are given

You don't want a notice. You want the incorrect info removed

You can sort this out yourself -definitely don't pay anyone to do it

noitsnotme

FlaatusGoat said:

GingerTim said:

To the OP - please ignore the AI answer from @FlaatusGoat above (they have already given one such AI answer on your other thread, but must have forgotten: https://forums.moneysavingexpert.com/discussion/comment/81186645/#Comment_81186645)

To @FlaatusGoat - please stop posting this AI bilge across the boards, it's not helping anyone and is against the forum rules.

With all due respect, the information I shared is not AI-generated but rather the product of thorough research and my understanding of the topic. I aim to contribute constructively to the discussion by offering insights that might help others. If you believe there's a factual error or something unhelpful in my post, I'm happy to clarify or amend it. However, dismissing my contributions as 'AI bilge' without substantiating why they are unhelpful seems counterproductive.

Forums like these thrive on open and respectful exchanges of ideas. If my posts don't align with the forum rules, I'd appreciate specific guidance or examples of what needs adjustment, and I'll take it into account moving forward.

As pointed out by someone else on another thread, on the 28th December you posted 4 long rambling posts between 8:04 and 8:08pm.  One appears to have since been removed.

It would seem somewhat impossible to compose and type that much text on 4 different threads within 4 minutes, without copy/pasting the content from elsewhere.

With all due respect I don’t think you’re being very honest.

Nasqueron

GingerTim said:

FlaatusGoat said:

GingerTim said:

To the OP - please ignore the AI answer from @FlaatusGoat above (they have already given one such AI answer on your other thread, but must have forgotten: https://forums.moneysavingexpert.com/discussion/comment/81186645/#Comment_81186645)

To @FlaatusGoat - please stop posting this AI bilge across the boards, it's not helping anyone and is against the forum rules.

With all due respect, the information I shared is not AI-generated but rather the product of thorough research and my understanding of the topic. I aim to contribute constructively to the discussion by offering insights that might help others. If you believe there's a factual error or something unhelpful in my post, I'm happy to clarify or amend it. However, dismissing my contributions as 'AI bilge' without substantiating why they are unhelpful seems counterproductive.

Forums like these thrive on open and respectful exchanges of ideas. If my posts don't align with the forum rules, I'd appreciate specific guidance or examples of what needs adjustment, and I'll take it into account moving forward.

Funnily enough, when I put this post into Quillbot, GPTZero and other AI checkers I get '100% of text is likely AI' and '100% probability AI generated'.

While I am sure it is AI slop, the AI detection systems are not exactly great, I've seen the start of problems for students who can evidence their work is all their own, still being rejected by university submissions for being AI. This is at the point where they're having to show the edit tracking on their own systems, reference work etc, a bright future for us all  

GingerTim

Nasqueron said:

GingerTim said:

FlaatusGoat said:

GingerTim said:

To the OP - please ignore the AI answer from @FlaatusGoat above (they have already given one such AI answer on your other thread, but must have forgotten: https://forums.moneysavingexpert.com/discussion/comment/81186645/#Comment_81186645)

To @FlaatusGoat - please stop posting this AI bilge across the boards, it's not helping anyone and is against the forum rules.

With all due respect, the information I shared is not AI-generated but rather the product of thorough research and my understanding of the topic. I aim to contribute constructively to the discussion by offering insights that might help others. If you believe there's a factual error or something unhelpful in my post, I'm happy to clarify or amend it. However, dismissing my contributions as 'AI bilge' without substantiating why they are unhelpful seems counterproductive.

Forums like these thrive on open and respectful exchanges of ideas. If my posts don't align with the forum rules, I'd appreciate specific guidance or examples of what needs adjustment, and I'll take it into account moving forward.

Funnily enough, when I put this post into Quillbot, GPTZero and other AI checkers I get '100% of text is likely AI' and '100% probability AI generated'.

While I am sure it is AI slop, the AI detection systems are not exactly great, I've seen the start of problems for students who can evidence their work is all their own, still being rejected by university submissions for being AI. This is at the point where they're having to show the edit tracking on their own systems, reference work etc, a bright future for us all  

Me too - I spent the last couple of weeks marking essays with sadly too many suspiciously AI-like submissions. Several oral exams scheduled for early January to see if the students really wrote this stuff...