Credit report is showing as Virgin Media "In Default" however I believe this is incorrect.
I agreed with VM last year that because their engineers could not fix an issue and meant I had zero service, that they would terminate the contract without penalty. They told me I had nothing further to pay and that I could sign up to another broadband company.
Upon checking my credit report, it is showing as £19 "in default" to Virgin media.
How can I fix this, as my credit score has dropped significantly?
Thank you for making your first post regarding a default on your credit file. I am so sorry to hear that this has been bringing down your credit score, I understand how frustrating this must be.
Here is a clear outline of what you should do and a timescale of how long things may take:
Please send a copy of your credit file to us and we can look at the entry for you. Please note the overall turnaround for a credit file resolution can take up to 28 days from the day we receive a copy of your file. You can send this via email or post to the following: email@example.com Or Consumer Underwriting Services, Virgin Media, Eagle Court 3, Coventry Road, Sheldon, B26 3RZ
The Credit File Amendments team are the only team in Virgin Media who can adjust marks on the credit report. They will review the email and act accordingly. If they are to correct this, they would send the amendment over to the credit agencies and it can take 6-8 weeks for you to see any amendments on the credit file.
Get a copy of your credit reference fileYou can ask for a copy of your credit reference file from any of the credit reference agencies. If you have been refused credit, you can find out from the creditor which credit reference agency they used to make their decision. Your file shows your personal details such as your name and address, as well as your current credit commitments and payment records.
You have a right to see your credit reference file - known as a statutory credit report. A credit reference agency must give it to you for free if you ask for it.
Credit reference agencies may offer other more expensive services where you are sent a copy of your credit reference file on a regular basis. If you're thinking about signing up to this kind of service, make sure you read the details. Check it's what you want before you agree to it.
If you sign up to a free trial and decide it’s not right for you, remember to cancel before the trial ends or you might be charged.
If the information on a credit reference file is wrongIf you think any of the information held on your credit reference file is wrong, you can write to the credit reference agencies and ask for it to be changed. But you can't ask for something to be changed just because you don't want lenders to see it.
You can also add extra information about your situation. For example, you can add information if you have had a past debt but have now paid it off. This is called a notice of correction. This might help you if you apply for credit in the future.
Credit reference agenciesCredit reference agencies are companies which are allowed to collect and keep information about consumers' borrowing and financial behaviour.
The 3 credit reference agencies are:
Experian - experian.co.uk
Equifax - equifax.co.uk
TransUnion - transunion.co.uk