Solved: Re: Credit file updates

Anonymous · ‎02-08-2014

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?

Anonymous · ‎02-08-2014

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?

MI5 · ‎02-08-2014

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

I have no affiliation whatsoever with O2 or any subsidiary companies. Comments posted are entirely of my own opinion. This is not Customer Service so we are unable to help with account specific issues.
Please select the post that helped you best and mark as the solution. This helps other members in resolving their issues faster. Thank you.

Anonymous · ‎02-08-2014

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

Anonymous · ‎02-08-2014

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 · ‎02-08-2014

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 · ‎02-08-2014

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 · ‎02-08-2014

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

Anonymous · ‎02-08-2014

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 · ‎02-08-2014

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 · ‎02-08-2014

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.