Pay monthly services

[imran11]

i had vodafone pay monthly contract  which is defaulted  but soon after i paid all amount and recived letter from vodafone that i have clear all balance and my file is clear but they did not update or wipe my default from credit file which i found now after i apply for house morgage .

please vodafone team i need help to update my profile

[minirage]

looks like they do this to everyone

[AnnS]

Hello imran11

When you started your contract, you would have agreed with Vodafone releasing details of any missed payment to credit reference

agencies.

If the default was placed on your credit file before you paid the amount owing, then it will stay on your file as you were not up to date with your payments. The default should now be marked as satisfied on your credit file as you have paid all money owning.

[AsthmaticTurnip]

but there will still be marks for late payments/no payments each month It was outstanding for.

sorry to say but if you don't pay your bills it ruins your credit history!

[stuartwilson]

But he did pay his bill so I don't see the problem

[imran11]

i have paid all amount but its still coming default on my file which mean i can't pass any credit check from any one which shows defaulted from Vodafone that should be changed after payment which has not.
i have try to contact with customer services so many time but they seems help less and less trained just want to speak with some one right to deal with it............................as i am in big trouble

[imran11]

yes i  paid all amount

it happend i went on holidays and stucked there longer

[AsthmaticTurnip]

if you owe a company money for a certain ammount of months, it effects your credit raiting the whole idea of this is so other credit assesers can check to see if you pay your bills on time when you are meant to.

If you don't ahere to this, it marks your credit file and follows you arround.

sorry but its the harsh truth, unless the company are at fault their is no reason to remove it as you didn't pay your bill for a certain period of time so it goes againsed you.