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    • lkelly23
    • By lkelly23 10th Oct 19, 11:10 PM
    • 4Posts
    • 0Thanks
    lkelly23
    credit score dropped 178 because of a mistake?
    • #1
    • 10th Oct 19, 11:10 PM
    credit score dropped 178 because of a mistake? 10th Oct 19 at 11:10 PM
    First of all I'd like to apologise for being absolutely clueless, no ones ever taught me anything about credit scores and such so I'm a bit ignorant. Basically over the summer, I couldn't afford to pay my mobile bill. My data and calls were cut off, but I didn't really hear anything else about it. When I got my first student loan payment in September, I immediately payed my phone company a sum of 200, covering all missed payments.

    A few days after that, I got an email from them saying I owed 68, and if they don't receive the payment a debt collection company would be notified and my credit score would be affected. I clicked on the link provided and checked my account, but they both said I was up to date and didn't need to pay anything at the moment. However, soon after I started receiving calls from a debt collection company. I never got to answer any of the calls because I'm always either working or in uni and just missed them.

    I chatted to an adviser from the phone company and told him everything, he apologised and said it would be sorted and I wouldn't hear from the company anymore. However, a few days later, a few more missed calls. I haven't heard anything in maybe a week, but when I checked my credit score a few minutes ago, it had dropped by 178.

    I'm pretty upset because I had just got it out of poor and into fair, and now I'm at the bottom end of poor. Is this due to the debt collection company? What steps can I take next and what if anything can be done about it? I appreciate anyone who takes a minute to offer any advice
    Last edited by lkelly23; 10-10-2019 at 11:16 PM.
Page 2
    • Gary_Dexter
    • By Gary_Dexter 14th Oct 19, 3:22 PM
    • 6,983 Posts
    • 4,645 Thanks
    Gary_Dexter
    Here's the original post before it gets deleted:

    First of all I'd like to apologise for being absolutely clueless, no ones ever taught me anything about credit scores and such so I'm a bit ignorant. Basically over the summer, I couldn't afford to pay my mobile bill. My data and calls were cut off, but I didn't really hear anything else about it. When I got my first student loan payment in September, I immediately payed my phone company a sum of 200, covering all missed payments.

    A few days after that, I got an email from them saying I owed 68, and if they don't receive the payment a debt collection company would be notified and my credit score would be affected. I clicked on the link provided and checked my account, but they both said I was up to date and didn't need to pay anything at the moment. However, soon after I started receiving calls from a debt collection company. I never got to answer any of the calls because I'm always either working or in uni and just missed them.

    I chatted to an adviser from the phone company and told him everything, he apologised and said it would be sorted and I wouldn't hear from the company anymore. However, a few days later, a few more missed calls. I haven't heard anything in maybe a week, but when I checked my credit score a few minutes ago, it had dropped by 178.

    I'm pretty upset because I had just got it out of poor and into fair, and now I'm at the bottom end of poor. Is this due to the debt collection company? What steps can I take next and what if anything can be done about it? I appreciate anyone who takes a minute to offer any advice
    • Barney Rubble 0403
    • By Barney Rubble 0403 14th Oct 19, 3:59 PM
    • 117 Posts
    • 74 Thanks
    Barney Rubble 0403
    Challenge the DCA in writing to prove the 68 debt. Have they bought a debt from the mobile company and registered a default? I assume you are still with the same mobile company and they are continuing to provide a service.

    Look at the credit report rather than the score.
    :
    • Robin9
    • By Robin9 14th Oct 19, 4:15 PM
    • 5,161 Posts
    • 3,394 Thanks
    Robin9
    lkelly23 - have you had a bill from your mobile supplier lately ? What is the bottom line ?

    I don't know the actual dates but lets suggest you had bills in April, May, June and July for 50 each which you didn't pay and were then cutoff. I think you are saying that because you have now paid 200 that that is the end of the matter - it isn't. As has been said there will be interest and charges for the debt collector building up which have to be paid.
    Never pay on an estimated bill
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