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Archieec01
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Credit file error

Hi 

I have recently checked my credit score and it shows I have a credit account open with you on Virgin Media Telecomms.
 
It shows £0 from December 2019 to present and continuing.
 
I closed the account in January 2020. I have no access to the account as I closed it but it is still showing as active on my credit score with Equifax.
 
Too add I have never lived at this address either!
 
I am unable to have a mortgage as a first time buyer because I have too many credit accounts open! Please help.
 
Thank you 
Archie
 

 

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spgray
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Re: Credit file error

you can take it up with experian and log it as an error on your file. experian will then do whatever they deem necessary to correct it, assuming they find that it is, in fact, an error.

https://www.experian.co.uk/consumer/guides/notice-of-correction.html


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Archieec01
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Re: Credit file error

I can't access this on experian it is on clearscore

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spgray
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Re: Credit file error

Clearscore isn't one of the three credit check agencies.

Equifax, Experian and TransUnion are the three. You should check your credit file on all three and if there are any errors then you ask them to amend the error, assuming it is an actual error.


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DJ_Shadow1966
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Re: Credit file error

Hello

Thanks for your post. You'd need to speak to the Credit Amendments Team. Pop them a letter or email with the following information:

Name
Account Holders Name
Full Address where you had the services
A photo or screenshot showing the Virgin error on your credit file
Contact details for yourself

They will investigate this and come back to you within 28 days.

The contact options are:

By post at: Consumer Underwriting, Virgin Media, Eagle Court 3, Coventry Road, Sheldon, Birmingham, B26 3RZ
Or via Email: creditfileamendments@virginmedia.co.uk

Regards Mike

I'm a Very Insightful Person, I'm here to share knowledge, I don't work for Virgin Media. Learn more

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spgray
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Re: Credit file error

however, as this is a entry on their credit file for an address they have never lived at, the correct action to take is to report it to equifax and they will take the appropriate action.

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