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Bad Credit History - But I Paid!

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I've got one credit card, that had about £125 on it, which I paid off in 2 payments the last one being in January.


The other week, after applying for a different type of card I was told I was refused because I had a bad credit history and had £113 outstanding on my card.

I phoned my bank (the credit card one) and they said, no problem it was all paid off and that the payment was just taking time to go through.

I thought it was stupid, I'd paid at the beginning of January and this was middle of Feb.

I was then advised to do a credit reference search, which I did.

I was gobsmacked to see that it showed I owed this money and said I'd only made 1 payment of £5 over a, now, 5 month period.

It also had a discrepency on the outstanding balance. One month it was over £400 (which I'd never had) and the next it was £113 despite the fact no payment was recorded.


I originally complained to the FSO about the 1st payment that hadn't been recorded and the other stuff I've discovered since. The bank made a fuss, I had to screenshot all the stuff and send it to them and they are supposed to be sorting out - when, I honestly don't know.

The problem is that I now have a bad credit rating and I don't even owe anyone anything.


Any advice because this is driving me crazy?

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You should be complaining to the Information Commissioner, not the Financial Omubdsman !

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My guess is this is not BAD credit history BUT NO credit history which is always as much of a problem!!


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