Credit file updates

[Anonymous]

Since June O2 have been late in updating my credit report file with Experian, I had to get in touch with Experian about O2 being late updating june report, and July reports not been updated and we are in August? Not sure what to do?

[MI5]

You'll just have to keep onto O2 I guess.
Have they said they will update your file?

[Anonymous]

I got a email address from live chat so need to send them a email, which I will do in a minute.

[Anonymous]

Hi and Welcome to the Community Forum @Anonymous

You can if you haven't already put it in writing here http://www.o2.co.uk/how-to-complain/complain

Let us know how You get on.

[Anonymous]

The email I got back was to send them my O2 number, full name and address, and that they will get back in touch within 10 days

[Anonymous]

I am not surprised July's report has not yet been processed to Experian. It is only 2nd August.

In reality these reports are sent electronically once month end accounting has been completed, most likely during week 3 of the following month.

It certainly would not be sent in the first couple of days of the month.

If the OP is reporting that his/her info is being reported late then they are being unreasonable and are incorrect. The requirements for sending these files take time as they have to be accurate and may need reconciliation.

[Anonymous]

Ok fair enough about julys reports, but it still doesn't explain why June reports wasn't done in time.

[Anonymous]

This depends on o2's contractual arrangements with Experian.

Most major companies go monthly but they can also go two monthly, three monthly or even six monthly.

The information o2 send in will be attached to your credit file for the relevant period even if it were sent in six months late. If o2 have not sent data in to Experian then your credit file is not affected in any way, it does not mean late payment or non payment so I am struggling to see the issue here?

[Anonymous]

Thanks piperdog123 I didn't know that, yes my Experian reports does get done monthly, just not by O2. Thanks anyway, I know now what u mean.

[Anonymous]

You are MORE than Welcome. Thank you for the question and glad was happy to assist.

Do stick around in the Community. We are all here to help each other.