Credit score question/utilities

[TNGL]

So a bit of an odd one, last month I paid my bill with Eon (not via direct debit) and I didn't get an email confirmation - nothing strange, sometimes it takes a while to come through anyway. It said it was successful and so on, i.e. nothing to make me think it hadn't gone through.

Anyway, fast forward a few weeks and I get an email saying they're "about to" use a collections agency to collect the bill and I need to pay it immediately. That's when I checked my bank account and saw the money never left and I never received a confirmation email.

I then paid the bill and got confirmation it had gone through.

My question now is will this count as a missed or late payment on my credit record? I can see Eon was listed as a utility on my credit record within the past few days with the value of the bill that was supposedly late to be paid, however, it isn't marked as late/missed from what I can tell. The timing of this also coincided with me being moved to 'Eon Next' from what I can tell, which could also have triggered it.

I am just wondering if I can realistically expect this to flag up in say another month's time (i.e. after a refresh of data)? Guessing if it does I will need to ring Eon and see if they can remove it but I won't hold my breath given I never received the confirmation email.

 

[~Divine~Wind~]

Depending which site u use to check your score it may not show for a few weeks.

Afaik the likes of creditkarma get an update every 2/3 weeks, the more direct ones like equifax should show up within a few days from what i understand.

I can conform that like when ive paid off a loan or cc it always seems to take longer to show on creditkarma

 

[GuruJockStrap]

Majority of utilities companies/lenders will supply data to the CRA's on a monthly basis. Typically, they'll run their portfolio submission at the end of the month and report the status as of that point in time. If all of the above took place before they produced their portfolio submission, then it'll be reported as up to date.

Best thing is to contact the company directly and dispute it with them. They should apply a status on their internal system which would then report the account with a "Query" status (indicates to other lenders that the consumer is disputing the account with the lender) in their portfolio submission when its next produced, providing the complaint is still being reviewed/investigated when they next run their portfolio submission. If the complaint is upheld in your favour, then part of their remedial action would be to correct any credit file data. If you're not happy with the outcome, go to the FOS. Will cost the utility company £550 just to receive the complaint.

You could also raise a dispute from whatever service/portal you're using to view your credit file regarding the adverse reported status (if it transpires they have reported arrears). The CRA would log the dispute on their system and send it directly to the lender for them to review.

In both cases, you're dispute is relating to your credit file file. So under the consumer credit act, the lender has 28 days to respond/resolve the dispute.

 

[BUDFORCE]

The mortgage lender I work for wouldn't bat an eye lid at a single missed payment on utility bill, my understanding is pretty much every lender would basically ignore this.

I'm not sure about other types of lending, I did work in car finance many years ago, again wouldn't really factor in.

Basically I wouldn't worry about it.