I first obtained a copy of my equifax and experian credit reports in October 2012 in preparation for applying for a mortgage at some point in 2013.
On there was a 'deliquency' balance of £1 from O2 which almost cost me my new job with a bank. Two missed payments on barclaycard from may 12 and oct 12. Four missed payments from orange from 2011 and four missed payments on two separate accounts (gas and elec) with British gas.
My husband was pretty much spotless with only one missed payment from a barclayloan from September 2012.
In November 12 I was one of the unfortunates who experienced the BT default being added from 2010.
With complaint letters to each of the companies, I have managed to have all late payments removed from British gas on both entries, the late payment from barclaycard from oct 12 removed, the delinquency balance from O2 removed (I managed to get this resolved in time to be reconsidered for the job, which I am now 4 months into. And the BT default removed (which was a mistake anyways) as well as £100 in compensation.
I've tried and tried with Orange but no luck at all.
I also managed to get the late payment From my husbands barclayloan removed too.
I feel like this is a huge achievement as now I only have th missed payments from orange from two years ago and one missed credit are payment from may 12. I think the way my credit report was beforehand would have made it difficult to get a mortgage but now it seems more achievable!
Delighted is the word!! Just shows that it is possible if your are willing to put the time and in (and obviously depending on the person who investigates your complaint)
:)
On there was a 'deliquency' balance of £1 from O2 which almost cost me my new job with a bank. Two missed payments on barclaycard from may 12 and oct 12. Four missed payments from orange from 2011 and four missed payments on two separate accounts (gas and elec) with British gas.
My husband was pretty much spotless with only one missed payment from a barclayloan from September 2012.
In November 12 I was one of the unfortunates who experienced the BT default being added from 2010.
With complaint letters to each of the companies, I have managed to have all late payments removed from British gas on both entries, the late payment from barclaycard from oct 12 removed, the delinquency balance from O2 removed (I managed to get this resolved in time to be reconsidered for the job, which I am now 4 months into. And the BT default removed (which was a mistake anyways) as well as £100 in compensation.
I've tried and tried with Orange but no luck at all.
I also managed to get the late payment From my husbands barclayloan removed too.
I feel like this is a huge achievement as now I only have th missed payments from orange from two years ago and one missed credit are payment from may 12. I think the way my credit report was beforehand would have made it difficult to get a mortgage but now it seems more achievable!
Delighted is the word!! Just shows that it is possible if your are willing to put the time and in (and obviously depending on the person who investigates your complaint)
:)