To ask bank to remove negative information?

[Rachelfromfriends1]

Posting for traffic, apologies.

Has anyone asked their bank to remove negative information (missed payments) on their credit report, as a goodwill gesture? Did you have any success?

I would go into the back story but I don’t want to bore you! I just had a minor hiccup back when I was 19 and I feel like although the information is factually correct, it’s unfair for a few reasons. It essentially creates the wrong impression of the situation. Eg ‘missed payment’ although partial payment was made. I have had an impeccable record with the same bank since.

@MatildaTheCat

£2.5 m - million

They won't do it. I had someone run up a phone bill in my name. I had no idea they had a contract phone out in my name and I'm the one being screwed for £1000 pounds but no one is willing to accept that it wasn't my fault.

MatildaTheCat

What!!!! Surely they don't expect you to pay that back? Did the money actually transfer to the person you were sending it to?

If it was factually correct, they won't remove it.

You can add a correction note to your credit file, but know that when you get a credit check this will often slow credit checks down as automated systems will flag the correction notice for manual attention.

Over time, one or two missed payments have less and less impact on your credit score to the point it barely matters, and will eventually drop off entirely.

TLDR: just forget about it.