Hi Malc, Thanks for your reply, however i've been paying by direct debit since last year and there hasn't yet been a single green or a 0 on my file, it is still showing the balance as it was around a year ago. The direct debit was set up correctly and i've been paying the suggested amount every month. So can you explain why there has been no updates for a year? As you've said, paying by DD should give a green every month, but it hasn't. Thanks

Hi, Just been checking my file with Equifax and according to that i've not paid my EON bill since Feb 2012, however i've made payments every month since then. See the picture for how it looks on my file.. [ATTACH=CONFIG]43894[/ATTACH] I spoke to EON last year September maybe, about this and they advised that because there was still a remaining balance they have to report missed payments. after May i set up a direct debit to pay a fixed amount, but since then theres not been any updates, despite payments being made correctly, surely its not right that they are still reporting the account as delinquent. Also it still shows a balance and isn't a single green on there despite paying correctly for so long. I would expect that it should have shown as green since setting up a direct debit, but even then, 4 missed payments in May isnt a true reflection of my account either. This wont be doing any favours at all. I've complained again and am waiting for a response. Doesn't seem right at all. Any advice on what to do if EON dont sort this out?

Hi All, 1st post of my own, been a reader of the forum for a couple of years now and it's been really helpful. anyway.... I've been working to clear up my credit file for a few years, had some defaults which have dropped off all but one which falls off in a couple of weeks. For the 6-12 month I've held vanquish/aqua/luma cards and made all payments to build up some rating, also managed to get a T-Mobile phone contract with defaults , which is also all good, so here's me hoping for an ok rating when this last default expires, but since updating my previous addresses on creditexpert, I've noticed another account appear, a provident doorstep loan taken out in 2007. Here's the best bit, I've never taken any finance with this company nor have I ever made any payments , my credit file says differently. Now I am aware of what provident do and how they work as my ex is an agent for them, still is I believe. Back in 2007 she recruited a couple of her friends into the job and I recall there being some sort of incentive bonus for signing up new customers. It seems that an agent has taken out a loan in my name (£500 56 weeks x £15) they must have used my details and just paid it back themselves therefore me not having any record or knowledge of it. So this is basically fraud, and to make things worse, the payment history is really bad, not quite a default but a whole string of 6's across my file. It states that the debt was settled in 2011 (3yrs after it should have been, guessing it went to a DCA who didn't manage to get in touch with me, or I would have known earlier) , so would be 2017 before it disappeared from my file, even if it was all green and paid correctly, I don't want anything such as a 'home loan' on my file. I got straight on the phone to provident and explained as above, they have written back today and enclosed my signed credit agreement, which oddly has a signature nothing like mine on it. So there is my proof, just as I suspected, however they also say that I must send them a copy of my signature to progress their investigation, and then they MAY send a security officer to see me and validate my ID and signature. So a company that has already used my details fraudulently, want me to send them a valid signature!!!! yeah right. I rang them and explained I was reluctant to provide this for obvious reasons but more than willing to show my signature and ID to one of their officers should they want to send one to see me, but I was advised they wouldn't send one and couldn't progress the investigation until they have my signature. Now that I have the forged credit agreement surely that's the evidence I need, but do I go to the police with this? or pursue this with provident? As I've had bad credit on my file in the past this hasn't done a lot of harm but now all the bad has dropped off and everything else is good it will be crippling to me getting any decent credit. Also on the credit agreement is the name of the agent that did this, but giving them a good shoeing wont get this removed from my file . I've also contacted Experian who have set a notice of dispute on the account. I just want it to disappear. Any advice greatly appreciated. Paolo