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Hi there, Long time no post. I have a Lloyds current account which I don't use - it has 72 pence in it. I have a loan with them that is completely 100% paid up to date and in order which will be paid off fully in 4 months - never missed a payment. Last summer, Lloyds asked me to pay off the current account £300 overdraft ( I think because they could see I don't put money into the account - I pay my loan by transfer from natwest) while I was abroad for 2 months. When I came home, there were nasty letters from scm solicitors etc and messages on my answerphone. I paid them the overdraft on the phone by card. Anyway, in October last year, for the first time I was turned down for a credit application. I looked at my experian credit report, which showed that I had a lloyds account that was out of order and that I owed them money. I rang lloyds, they said the system takes a while to update and apologised for the delay in correcting the information and said they would chase it up. Nothing happened. I have complained and complained. Today, My credit report shows my account is in order, but that I owe them £105. They have written saying it is a mistake....they will correct it as soon as possible....I can go to the ombudsman if I am not happy with the action they have taken. Their incorrect information on my credit file is having an impact on my creditworthiness. What can I do?