Thread: Status payment history-can you get it changed/re-set?

Status payment history recorded on your credit files, can you challenge a creditor to change late payment history to be reset to "0" s particularly if you are looking to make a full&final settlement offer. I understand the legal owners of this data is the creditor recording the data, therefore I assume they can do as they so wish with the data?

Also I settled an old mortgage account some years ago and I want to have some late payment status history reset to "0" 's Can I demand they prove I was late with those payments during the last 4 months of the mortgage? I don't recall being late ever and only recently noticed them still on my credit file. Assuming the 6 year rule this means they won't drop off for another 3yrs or so!

Can the mortgage company say that they can't remove them or alter them as they reflect the true situation at the time and they must be seen to report in responsible and accurate manner?

What are my options here, can I CCA them or SAR them to find out if they have proof of any late payment during that time?

Appreciate any imput/advice

Id go for an SAR to the mortagage company requesting payment histories. State in the SAR that you are conteesting their reporting of late payments to CRAs and that you require evidence these payments were late. You can then compare that with your bank statement at the time to see if you can proof that you did make payments on time.