O2 destroyed my credit history from 999 to 706

[Sudheer]

Hello

I have just noticed my score has dropped by 293 points from 999 for missing payments for O2 which I am not supposed to pay them, without any warming letters, I never missed any payments during my entire life.

I took an o2 sim only contract and cancelled it during the first 14 days, o2 was happy to cancel my account and they did cancel it. However, I was getting bills by post, when I called o2 customer service and explained about the bill that I received for my cancelled account they asked me to ignore it, so I did.

But when I saw my Experian account on 31st cot it was default for not paying £12 o2 bill. I immediately called o2 and even they confirmed there is no pending amount that i need to pay ? so Why o2 has to destroy my credit history ?

This has impact on my mortgage application and impact on my mental health.

[jonsie · Accepted solution]

Need to contact the Credit Referals team on this

 The email address is creditfilereferrals@telefonica.com

 Or you can write them at

Credit File Referrals Team
Suite P
Arlington Business Centre
Leeds
LS11 0NE

[Sudheer]

Already emailed CreditFileReferrals@o2.com and creditfilereferrals@telefonica.com but not received any responce.

[Bambino]

@Sudheer It can take 10 days or longer for the referrals team to reply. O2 are despicable when it comes to situations like this.

I believe @madasaf1sh is familiar with the processes involving credit disputes. Hopefully he will join this thread and advise you further.

[pgn]

And, @Sudheer - dropping from a near-perfect 999 to a pretty remarkable 706 is hardly "destroying" - anyone with a mortgage, a car on hp, a couple of credit cards and no missed payments in a couple of years would be around the mid 700's, it is really just a number.

But, as @Bambino says, @madasaf1sh will help put all into perspective when next on here.

Do not despair, @Sudheer.

[Sudheer]

I have applied the mortgage loan in India, so they see the "default" account as a big problem with my credit report.

[Sudheer]

This is the screenshot of my credit score report timeline, the score has dropped from 999 to 706 in Oct 2022