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Incorrect payment default on credit file

fepellaro — Fri, 08 Oct 2021 09:31:23 GMT

Hello good morning dear Admins,

I have a wrong default in my report for my final bill which as paid when I was settled in my new address.

I am not sure why it was defaulted as I was always in contact with your team by phone.

Please can you correct this information?

Thanks,

Re: Incorrect payment default on credit file

-Richie- — Fri, 08 Oct 2021 10:35:35 GMT

Have a read of BT Credit Files explained

If you made a payment late it will be reported as late, if it's been paid it will update to 'settled'

How to query your credit file

Both agencies must response to a query within 28 days.

Equifax

Contact Equifax:

Online - visit the Equifax website
By phone - call 0800 014 2955
By post - write to Equifax Ltd, Customer Service Centre, PO Box 10036, Leicester, LE3 4FS

Experian

Contact Experian:

Online - visit the Experian website at www.experian.co.uk
By phone - calll 0344 481 8000
By post - write to Experian Headquarters Talbot House, Talbot Street, Nottingham, N80 1TH

Re: Incorrect payment default on credit file

fepellaro — Fri, 08 Oct 2021 10:57:10 GMT

It's showing as being defaulted by BT, so its not a problem from the agencies.

Re: Incorrect payment default on credit file

-Richie- — Fri, 08 Oct 2021 13:32:26 GMT

@fepellarowrote:
It's showing as being defaulted by BT, so its not a problem from the agencies.

Which is why it needs disputed if you feel it's wrong, you raise the dispute with the credit agency and receive a reference, the credit agencies contact BT, they investigate and come back with the findings, if incorrect it gets corrected.