Cleaning an erroneous credit report

[Russinating]

I got declined for a mortgage this week and so checked my credit report which is otherwise pretty perfect. Noddle was a-ok so I signed up to another and it showed as "Poor" with an arrears and repossession this month from Virgin Media. I've not been a customer of them for a year so called them up and to be fair they were quite helpful, and basically although the account showed I owed £70, after they double checked I'm actually owed £275 back from them as my account wasn't closed properly (13 months ago!) and I continued to pay the DD for way after I should have.

I'm getting a refund and I was told to email [email protected] with an explanation and my account details etc.

Obviously very annoying, especially as it's for a mortgage. Has anyone else had something like this before and is there anything else I should do to ensure this is totally correct with all the agencies or will whatever Virgin do be enough? And how long until it's back to the level it was before?

Thanks in advance.

 

[Russinating]

Interesting! What did you do to get things back to normal @Em3bbs and how long did it take?

 

[Russinating]

Corrections, if done correctly, should take place reasonably quickly - Depending on VM's reporting cycle, up to 60 days and it should be corrected.

Is the mortgage for a purchase or a remortgage?

Hmm ok. Is it worth me also emailing all the various agencies with whatever Virgin send me as well? And it's for a BTL AIP so no immediate rush like a remortgage or property-based purchase.

 

[Russinating]

Ok thanks. Am I correct in thinking that yours @Em3bbs wasn't an error though? Or did your email to them state that it was an error (but you paid it anywhere to avoid phone faff)?