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    • Eleanor_23
    • By Eleanor_23 6th Jan 18, 7:59 PM
    • 3Posts
    • 1Thanks
    Vodafone mistake on credit file
    • #1
    • 6th Jan 18, 7:59 PM
    Vodafone mistake on credit file 6th Jan 18 at 7:59 PM
    Need some help with Vodafone, numerous issues here.

    Basically I went into arrears in Oct 2015. Havenít paid them anything since. Outstanding debt is £275.

    On my noddle report I have red dots for arrears all the way upto Jan 2017 when all of a sudden they said account was OK and I was in the green. Then in July 2017 I went to missed payment 1 then 2 in August and then 6 missed payments in September! Finally default in October.

    Something isnít right here as I havenít paid a penny or been in contact since 2015.

    Iím trying to improve my credit file. Shall I pay them or contact them to discuss what is going on with their scoring?

    Thank you.
Page 1
    • mije1983
    • By mije1983 6th Jan 18, 8:42 PM
    • 3,209 Posts
    • 19,118 Thanks
    • #2
    • 6th Jan 18, 8:42 PM
    • #2
    • 6th Jan 18, 8:42 PM
    Have you checked the other credit reference agencies (Equifax and Experian) to see what information they hold on you? That would give you an idea of where the fault lies.

    • Gary_Dexter
    • By Gary_Dexter 6th Jan 18, 9:03 PM
    • 1,338 Posts
    • 775 Thanks
    • #3
    • 6th Jan 18, 9:03 PM
    • #3
    • 6th Jan 18, 9:03 PM
    Why have you left it?

    You know and admitted to owing it.

    Pay it - either way it's going to stay on your files for 6 years
    • pmduk
    • By pmduk 7th Jan 18, 11:11 AM
    • 8,543 Posts
    • 6,319 Thanks
    • #4
    • 7th Jan 18, 11:11 AM
    • #4
    • 7th Jan 18, 11:11 AM
    The best you can hope for is that they add to your record the fact that you were also in arrears between Jan and July 2017.

    You'd be far better dealing with the default.
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