Credit Report Files

[Kim16]

I need my device “loan” removed from my credit file. Does anyone know how often o2 update these?

[Cleoriff]

@Kim16 

Why do you want it removed? If you paid on time it is evidence of good credit. If you defaulted then it will stay there for 6 years.

You can contact the credit referral team via this route

CreditFileReferrals@o2.com

Credit File Referrals Team

Suite P

Arlington Business Centre

Leeds

LS11 0NE

Fax 0113 2025865

[jonsie]

Any loan you have has to be on your credit file. It's a legal obligation.

[Kim16]

Because of a mortgage application. It is supposed to show in “communications” but showing as a “loan” since o2 changed they way they bill. I have now paid it off and want it off my credit file ASAP. I have contacted o2 bit can only get in touch via email.

[MI5]

@Kim16 

Your device plan is a credit agreement (loan).

It cannot be removed and if it's all paid off if won't be an issue to getting any further credit.

[JAZZ-trad]

No expert @Kim16
but think they may be updated monthly?
If so check again after paid off.
I think you can write to the credit check agencies if they are showing wrong. Check the most popular ones, I think you can go online too.
Hope you can sort it out a very important time for you getting a home.
Good luck and welcome to the o2 community forum

[djbsuffolk]

It will stay on your file - if you've paid it OK it helps build your credit score - and telecom contracts are seen as a good indicator - of course if you've defaulted on the plan then unfortuately this will have a negative impact and will impact you abilty to get credit and will stay on your file. 

[Kim16]

It’s been paid off. That’s the problem. It hasn’t been removed from my credit file and I cannot get an answer from anybody as to when this will be done. I’ve called, emailed the correct team, spoken to Experian who have sent over 2 requests for an update and had absolutely no reply back!

[Cleoriff]

@Kim16 

I still don't understand why you want it taken off? If you go for any other type of credit then this will show in your favour towards getting anything else, ie mortgage, car, etc etc etc. It's called building up your credit worthiness.

People who have nothing on their credit history have to go through numerous checks to get further credit.

If you defaulted at any time during this loan, then unfortunately that will also show. You have given no indication in this thread that you did default though?

[MI5]

As said many times, it cannot be removed from your history.