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macco69

late payments - how to fix credit report?

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Hi all,

 

I have 2 bank account, one is Halifax other Lloyd's.

 

On my Halifax account I could go overdraft £1250, in 2013

 

 

I move to new place and forget to inform Halifax bank about my new address,

and at that point I did not use Halifax account at all.

I was on overdraft around £500.

 

At the beginning of 2014, Halifax canceled my overdraft, which I realize in March 3 months later,

I quickly repay outstanding fee, informed about my new address and start using this bank account more often.

 

Recently I was shopping for mortgage and have been informed that I had 3 late payments on my Halifax account

(outstanding £500 - my overdraft has been canceled).

 

This mess up my credit score big time from 966 went down to 677!!!

 

It was my fault I know,

but is there any chance to fix that for example by witting a goodwill letter if yes, have anyone did it?

 

 

Has other advice?

 

Thanks for helping

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it has worked yes

 

 

dx


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