Utility destroyed my credit rating

QrizB

leyle88 said:

Im with edf for a few years now and pay the bill when I recieve it via post. 

Unrelated to the late payments, you've also been paying 6-8% more for your energy by paying on receipt of bill.

A switch to paying by direct debit would see you save this money as well as never missing another payment.

MEM62

leyle88 said:

I never agreed to them to make report to CRA. What can I do if I never agreed ?

I do not believe that your agreement is required.  

However, if you feel the information reported is incorrect and they refuse to amend it you can complain to the ICO.  If you have never been late with payments have they explained to you why they believe you have - i.e. statements, account history etc etc......? 

superbigal

So you did not make any payments in those 2 months ?    The bills will have been issued.   Will not be difficult for them to prove.