Correcting a Credit Report

Soldato
Joined
7 Apr 2004
Posts
4,212
Hey,

Has anyone ever got something removed/corrected on their Experian credit reports?

I recently discovered that if you remove one word from my house name (which it seems companies do), my credit rating goes from awesome to very average. This is because of 3 late payments to O2 for some kind of communications account (~£200) in 2005. I have no knowledge of this and I'm fairly certain it's either a mistake from O2 or incorrectly tied to my name.

Is it worth the hassle of trying to get it removed? I'm keen to get it sorted but curious how often you actually get success doing this. Let's say it turns out I do for some reason actually owe them £200, and I pay it now will they still fix the report?

Thanks :)
 
If you do owe them £200 and then pay it then no they won't 'fix' the report. The report is there to allow lenders to assess your creditworthyness - somebody who takes 7 years to pay £200 isn't creditworthy :p
 
[TW]Fox;20931064 said:
If you do owe them £200 and then pay it then no they won't 'fix' the report. The report is there to allow lenders to assess your creditworthyness - somebody who takes 7 years to pay £200 isn't creditworthy :p

Ok :D I'm 95% sure I don't, it says the account was open 6 years, if that's true then it was never mine.
 
If the account is 6 years old then I think you can just leave it. Normally accounts that are older than 6 years will eventually fall of the end of the report. I had this happen to me when I was a student and one of my housemate didnt pay a british gas bill. I paid it something like 12 months later but that showed on my report as a very late payment. I know you can pay them to put a note on the account regarding the item but meh I believe at the time i read that it would eventually not show anyway.
 
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