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    • Abigail1990
    • By Abigail1990 11th Apr 18, 9:54 PM
    • 7Posts
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    Abigail1990
    Experian Report, settled and closed account but showing as balance
    • #1
    • 11th Apr 18, 9:54 PM
    Experian Report, settled and closed account but showing as balance 11th Apr 18 at 9:54 PM
    Hi

    I have an excellent experian score of 988 however when looking at the detailed report I noticed that's one of my pay day loan accounts (I stupidly took one out last year), is showing under 'settled' but is still showing a balance!

    All amounts have a green tick next to them which indicates that they were paid on time but there is a balance still showing!!

    Can anyone advise?
Page 1
    • Blackbeard of Perranporth
    • By Blackbeard of Perranporth 11th Apr 18, 10:00 PM
    • 5,028 Posts
    • 30,294 Thanks
    Blackbeard of Perranporth
    • #2
    • 11th Apr 18, 10:00 PM
    • #2
    • 11th Apr 18, 10:00 PM
    Yes. You will not get a mortgage because you were stupid to take a pay day loan. Your credit cards will be affected and your overdraft will be recalled by end of this week.

    I would change bank now because you will never get another chance!

    And pigs also fly!
    Commemorate Celebrate Inspire
    #RAF100 A century of service!
    • zx81
    • By zx81 11th Apr 18, 10:04 PM
    • 16,792 Posts
    • 17,804 Thanks
    zx81
    • #3
    • 11th Apr 18, 10:04 PM
    • #3
    • 11th Apr 18, 10:04 PM
    1. If there are discrepancies on your credit files, dispute them with the CRA.

    2. Never take another payday loan.

    3. Never think that your credit score is real.
    • Blackbeard of Perranporth
    • By Blackbeard of Perranporth 11th Apr 18, 10:06 PM
    • 5,028 Posts
    • 30,294 Thanks
    Blackbeard of Perranporth
    • #4
    • 11th Apr 18, 10:06 PM
    • #4
    • 11th Apr 18, 10:06 PM
    Ps my credit score is 197 and I still h@ve a mortgage! And a contract car.!
    Commemorate Celebrate Inspire
    #RAF100 A century of service!
    • Abigail1990
    • By Abigail1990 11th Apr 18, 10:09 PM
    • 7 Posts
    • 0 Thanks
    Abigail1990
    • #5
    • 11th Apr 18, 10:09 PM
    • #5
    • 11th Apr 18, 10:09 PM
    Yes, i will never take one again! I'm just confused as to why it is shown as settled and why the supposed balance has a green tick (which means payments up to date)...
    • Gary_Dexter
    • By Gary_Dexter 11th Apr 18, 10:27 PM
    • 1,124 Posts
    • 620 Thanks
    Gary_Dexter
    • #6
    • 11th Apr 18, 10:27 PM
    • #6
    • 11th Apr 18, 10:27 PM
    Maybe they aren't reporting it to the CRA correctly.

    Contact them and ask
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