Incorrect default on credit file … help!

[mello812436]

Hi all, in June of 2023 I moved away from BT to another provider on full fibre. Following the move (unknown to me) I was charged a further 2 bills by BT and then these 2 x missed payments appeared on my credit file. That alerted me to the issue and I immediately made the payment. Despite there obviously being an error elsewhere I am struggling to get these missed payments removed from my credit file and it will impact an upcoming mortgage.

Any help would be much appreciated.

Thanks

Darren Perry

[Keith_Beddoe · Accepted solution]

@mello812436 

This is just a customer to customer help forum, everyone here, including myself, are just customers.

The only BT Employees are the forum moderators.

The first thing you need to do is raise a dispute with either Equifax, Experian etc, depending on who the debt is with. You can do that at 

• Online at www.equifax.co.uk/ask
• Call 0800 014 2955
• Address – Equifax Ltd
  • Customer Service Centre
  • PO Box 10036
  • Leicester
  • LE3 4FS

or 

• Online at www.experian.co.uk
• Call 0344 481 8000
• Address - Experian Headquarters Talbot House
  • Talbot Street
  • Nottingham
  • N80 1TH

Or

• Online at www.transunion.co.uk
• Call 0330 024 7574
• Address - Consumer Services Team
  • TransUnion
  • PO Box 647
  • Unit 4
  • Hull
  • HU9 9QZ

They'll then liaise with BT for you.

[mello812436]

Thanks for your help. I’ll give them a try