If you feel that your credit report is wrong, the normal first step is to ask the lender to put this right.
But when the lender is in administration, the administrators may not respond to requests from you to correct your credit files. And if the lender has been liquidated, there is no-one for you to contact.
Here the Credit Reference Agencies (CRAs) should help if you ask them to. Incorrect reporting is against the data protection rules.
Dos, don’t and better options
Do not ask for a record to be supressed if the lender is still going. This is not a short cut, it will just waste your time. Complain to the lender instead (not the CRA).
Do send the complaint to the administrators first if is not too late to make a claim. The suppression process should only be used if you missed the deadline to claim, it is not a quick alternative to making a claim as the the CRA will ask the administrators about your request and the administrators will reject it.
D0 use this suppression process when the administrators agreed to correct your credit record but failed to do so.
Do not think this will clean up your credit record if the debt was sold to a debt collector. Suppressing the record will only affect the credit record with the lender. You will need to complain separately to the debt collector if their record is wrong.
Problems that need correcting
Some of the possible reasons for an incorrect credit record include:
- the debt has been settled but it still shows as open;
- the lender had agreed to delete the credit record or to remove the default before administration but didn’t do this;
- identity theft – you never took that debt out in the first place;
- the default date isn’t correct, or the dates of missed payments arent correct or the payments you made were not correctly reported.
You may feel the lender should have not have given you the debt as it was unaffordable but it is too late to make a claim in the administration. In this case it is usually simpler to complain about one of the above problems.
The error may be showing on the records of more than one CRA. So you need to check the Statutory Credit Reports from Experian, Equifax and TransUnion.
You need to check those CRA reports, not other reports such as ClearScore or Credit Karma, because you want to talk directly to the CRA, not through a third party.
First ask the administrators
It is best to first ask the administrators to correct any problem. If this works it will be the fastest option for you. Check the lender’s website to find how to contact them.
For affordability concerns, you should send the administrators a Claim. If this is upheld, the administrators will correct or delete the credit record.
Sometimes the administrators will refuse, saying you need to contact the CRAs.
But if this is late on, then you will not get a reply. For example the Sunny administrators have passed the point in the administration where they reply to CRAs. And Wonga has been liquidated – there is no one anymore to contact.
In this case, you can go to the CRAs and you can say you have tried to resolve the problem with the lender but they don’t reply, or there is no-one to contact.
Will the CRA correct this?
This is what Experian says about correcting data – Equifax and TransUnion say similar things:
We can only change this information once your lender has told us about it, or with their permission.
But when the CRA asks the administrators they are unlikely to get any response… So the CRA has a problem – it can’t leave inaccurate data on your credit record and it can’t correct it unless the lender agrees.
The CRAs get round this by “suppressing” a record. If they do this, the record still exists but it will not be shown to lenders who make a credit check on you.
Ask the CRA to “suppress” the record
Contact the CRAs where the problem is showing:
- Experian – select Get in touch about > Errors on my Experian Credit Report > I think there’s an error with an account;
- Equifax – select Do you still have questions then log in to your account (you will have created one when you asked for a copy of your Statutory Credit Report) and complete the form;
- TransUnion – go through the Disputes process.
Tell the CRA:
- which records are wrong, listing the individual loans.
- explain what is wrong and that you have asked the administrators to correct this on dd/mm/yy but they have not replied/told you to talk to the CRA. Or say administration has ended and the lender no longer exists;
- ask the CRA to “suppress the record” as it is incorrect.
If the CRA refuses (or sends an irrelevant response such as saying the account will be deleted six years after the settlement date), explain again what the problem is and why you need the CRA to suppress the record.
Be persistent – this seems to resolve the problem in the end. Say you want to make a formal complaint if necessary.
The final option if you make a formal complaint and the CRA rejects it is to send the complaint against the CRA – not the original lender – to the Financial Ombudsman. I haven’t come across anyone having to do this when they have asked for a record to be suppressed.
Evidence that may help your complaint
Sometimes there is evidence to support what you are saying.
For example you may have reported identity theft to Action Fraud and have been given a crime reference number. You may have the email from the lender agreeing to delete the record or remove the default.
But sometimes there may be little or no evidence or it may be complicated.
It isn’t clear how much effort the CRAs will put into investigating these complaints. But if your complaint goes to the ombudsman they may ask you for some evidence.
Loan interest falls when score improves – good?
Overdrafts – a hard debt to get out of
Payday loans make getting a mortgage hard
Vicky says
Hmmm. Very interesting. I am going to try to “suppress” my records about Sunny loans.
Sara (Debt Camel) says
So for Sunny, the administrators have said that “We have transferred the control of maintaining any remaining records to the credit rating agencies, as we will not be maintaining these records going forward. Any further queries regarding entries on customers’ credit files in relation to ECIL loans should be raised with the relevant agency directly”
You can quote that to the CRAs.
Vicky says
Thank you Sara. I now wrote to all three CRAs. I will let you know how they respond. Fingers crossed. It will be life changing for me as planning to apply for a mortgage.
Vicky says
Experian brushed me off already! Shall I write again and make a formal complaint and threaten to go to FO?
Hi Victoria,
Thanks for getting in touch.
*Elevate Credit International LTD Accounts
Having checked with our records, I can see that you are holding multiple Elevate accounts, all those accounts has been settled.
Settled accounts are kept on your Experian Credit Report for six years from the date of settlement.
If you have any more questions, please let me know or visit our website at https://www.experian.co.uk/consumer/help-discover/ where you can find lots of useful information.
Sara (Debt Camel) says
what is your reason for saying your credit record is wrong?
Jim says
For me, my reason I put in was affordability and did not receive a response. Quoting the statement you put above. I am now waiting for a response in response to their standard reply that Vicky also got above!
Rach says
Hi,
I had mine suppressed. My sunny loans were written off and marked as satisfied on my credit record, but the email from sunny stated they would be marked as settled. I explained this to the CRAs and they’ve suppressed the information from my file.
B says
Hi there! How did you get your Sunny loans suppressed? I’ve not made a claim and feel I’m going a bit in circles. Like you, it would be life changing to have these wiped
Scott says
Hi can you ask for your credit rating to be corrected if you are in a trusted insolvency? Or do they keep your credit score the same until paid at the end of a trusted, this includes debt collection agency’s, I have informed everyone one on my credit file but nothing has changed, could you advise please.
Sara (Debt Camel) says
do you mean a Trust Deed?
Scott says
Yes a trusted deed which runs for 4years
Sara (Debt Camel) says
ok, I suggest you ask on this page https://www.advicescotland.com/home/protected-trust-deed/ – it’s on a blog fun by a Scottish adviser.
Tom says
Hi Sara,
This seems like it would be a suitable approach for my WageDay Advance marker. I did not know about affordability complaints until it was way too late!
It’s worth a go anyway.
Thanks,
Tom
Bonnie says
Hi Tom,
I am looking to do the same with Wageday Advance; did you have any luck?
Thank you!
Jay says
Thanks for this Sara and all the amazing work and support.
Sam says
Your articles are always so helpful! From a thankful debt adviser
Chris says
Is there anyone who got their reports updated? Just wondering if it’s worth to do.
Thanks
Sara (Debt Camel) says
who is the lender?
Chris says
Sunny/Elevate LTD
Sara (Debt Camel) says
ah then it should be easy to get these sorted as the administrators have said they wont talk to the CRAs any more.
See the comments on https://debtcamel.co.uk/500000-sunny-customers-tiny-refunds/ and several people there are getting good results.
B says
Hi. I’ve read a few comment threads now but I’m still unsure. Is there anyone who can tell me how to complain to sunny/elevate? Or should I be going straight to the CRAs? If so, what would I say about this? Thanks
Sara (Debt Camel) says
Sunny administrators will no longer respond to you – there is no point in contacting them. They say “We have transferred the control of maintaining any remaining records to the credit rating agencies, as we will not be maintaining these records going forward. Any further queries regarding entries on customers’ credit files in relation to ECIL loans should be raised with the relevant agency directly.
Instead you need to contact the Credit Reference Agencies where the Sunny loans appear asking them to suppress the Sunny/Elevate loans. As the article above says. You should quote what the administrators say in your email to the CRAs.
You need a reason to say the current reporting is wrong. You can’t just say you want the debts gone. What is your reason? Any of the following could potentially be valid:
– the date / amount of the loan was wrong, or the settlement date.
– a default or missed payment was incorrectly added. pwerhaps the default should have been earlier?
– the administrators said your loan would be deleted but it hasn’t been.
– you were misled into taking the loans as you were told repaying them on time would help your credit record, not you find they make it hard to get a mortgage.
Jim says
Hi, I’m in a similar position. I had around 26 settled accounts re. Elevate with Equifax, I raised a case for each account (yes I raised 26 separate cases on their site), all I said was, please delete the credit entry from my credit file, they should’ve been deleted before the lender went into administration and they are still showing. That’s all I said. Equifax came back about two weeks later, saying Elevate have gone into administration, and they said as the lender no longer exists, they have agreed to delete the records from my file. So all 26 were deleted in one afternoon. Experian, I’m just waiting for the 30day window to pass, as they are following their own internal protocol. No answer after a certain period then they will suppress. I will update once I get an update which is another week away or so.
Jack says
Hi Jim,
Did you manage to get this solved with Experian?
Jim says
Hi there, yes also deleted from Experian. What you need to do is dispute they’re incorrect and we’re deemed unaffordable and should’ve been removed, then Experian will go through their dispute process, I.e. contact lender > wait 28 days > lender disappeared > no response > Experian will either delete or suppress.
Richard says
I had a Sunny loan that defaulted and was sold to SLL Capital. I don’t believe the default date is correct but now that Sunny have gone under I’m not sure how to solve this. Is there a way to speak to the administrator?
Sara (Debt Camel) says
What is the current default date and what do you think it should be?
Did you make an affordability complaint to the administrators? IS the Sunny loan still showing on your credit record?
How large is the balance you owe SLL?
Gemma Friend says
Hi Sara I’ve just paid off an outstanding balance to 247 money box who are in administration. Will my default be removed or will I have to wait until it’s gone all through the progress of closing down?
Sara (Debt Camel) says
Did you put in a claim for unaffordable lending to the admistrators?
Gemma Friend says
Yes and they partial upheld and I just paid off what they didn’t.
Sara (Debt Camel) says
Good. Did your “uphold email” say they would be removing the default?
Gemma Friend says
No nothing about it 😕
Sara (Debt Camel) says
Then I suggest you ask them (customer.services@247moneybox.com or via phone at 0207 183 8078) when they will be removing the default or deleting your credit record.
miss e plimmer says
Can you help? or anyone?
I have a CCJ for an UncleBuck loan, I want to claim affordability for this but I actually don’t know where my money is going that i’m paying towards the CCJ as they are in administration?
Is there a process for this as the CCJ is showing on my file and so is the original debt although the balance hasn’t been updated for years.
Sara (Debt Camel) says
You need to contact Harrisons, the administrators who should have assessed if you have a valid affordability complaint. See https://harrisons.uk.com/unclebuck-update/
Emma Plimmer says
Had a response this morning saying I was entitled to redress and the cRedit file would be updated in due course.
The debt though has a CCJ against it. What happens now with this? As the CCJ I’m paying to a law firm, I have complained to them and told them the response I had from the administrators.
Sara (Debt Camel) says
if this a law firm collecting on behalf of UB or has the debt been sold to a debt collector?
Emma Plimmer says
Well I believe they are collecting on their behalf but I’m not 100%.
They do refer to them as their client so I’m inclined to believe it’s not been sold on
Sara (Debt Camel) says
ok, you need to ask the administrators if they are going to use the redress to reduce the amount you have to pay on the CCJ.
I am not answering your question about the CCJ because it’s important to first be clear what the administrators are going to do.
Emma Plimmer says
This is what it says on their response.
Unfortunately, whilst we have added your unsecured claim to the list of creditors within the Administration, regrettably due to the lack of funds in the Administration, there is no prospect of a dividend being paid to unsecured creditors. This means that notwithstanding your entitlement to Redress no payment towards your unsecured claim will be made. More detailed information on the reasons for this can be found in the Customer Redress Scheme and FAQs, which can be found by clicking on the link above.
We can confirm that as you are entitled to Redress, it is acknowledged that your loan(s) with Uncle Buck were unaffordable and should not have been made to you. We will therefore be informing the CRA’s to remove any record of the loan 1***** that you had with Uncle Buck. Due to the substantial number of customers affected, we would kindly request that you bear with us in completing this process
Sara (Debt Camel) says
You need to go back to them and ask if the redress will be used to reduce the amount you are paying to the CCJ.
Emma Plimmer says
I just realised that the redress they talk of is the loan prior to the one with the CCJ.
I have now queried this
Thank you I will update
cyrilv says
Hi there, after many years of defaults and old PDLs dropping off I’m now left with one closed loan on my credit record from a firm that is now in administration. It is from Myjar, it was finally settled in June 2016, and is due to drop off in June 2022. Now that Myjar are in administration is there any way of getting this expunged from my records before June 2022?
Sara (Debt Camel) says
If the loan was unaffordable you can send the administrators a complaint – if that is upheld the record may be removed.
If not, then it is too soon for the approach in the article above to work. At the moment the administrators are still likely to respond to CRA questions.
cyrilv says
Not “unaffordable” as such – I did claim back £121 from Myjar from an affordability complaint in 2019 though, long after the loan was settled in full (it was not a default)
Jonathan Hart says
I’ve just had confirmation that TransUnion will suppress my Wonga account as the date on the default was wrong (thanks to Sara who suggested I do this). What does this actually mean? That it will no longer be visible? Will my credit score benefit from this?
Sara (Debt Camel) says
It will not be visible to any lenders who check your credit record.
My assumption is that it will not be taken into account in calculating your score. But in any event, lenders do not use the credit score that you can see.
James Kerry says
Hello,
I have a transunion default for wonga. I had a complaint upheld so it should have been removed
I’ve raised a dispute but any advice on how to proceed?
Thanks
James
Sara (Debt Camel) says
Ask TransUnion to suppress the record as it should have been deleted by the lender but they no longer exist so you cannot get them to correct your credit record. This works, sometimes you have to be a bit persistent.
Christine Craven says
Could anyone help.
I had numerous loans from WONGA 2013 -2016. I was refused a mortgage in 2017. becauae of these being on my credit file ..And missed dead lines of Adminustrators. I always belueved the loans would improve my credit score.. How do i get these temoved off my ctedit file, has i need to move house threw ill health.
Sara (Debt Camel) says
Many of these loans have presumably already dropped off your credit record? Were the ones that are left repaid on time?
Julia says
Hi everyone, thanks so much Sara for the advice. I had success getting my Sunny Loan remove from Equifax, so far Experian seem to be batting the issue away so I’m pursuing with them, will keep this updated incase anyone else has the same issue. A quick question, I missed the claim deadline for ICL, I had some very personal and upsetting circumstances so I missed putting in an affordability complaint. Can I ask them to remove these for me seems I missed the deadline? Seems so unfair to be penalised until these loans drop off because of a terrible time in my life. Thanks
Sara (Debt Camel) says
I don’t think ICL will do that. However if you wait a few more months ICL will then probably have stopped talking to the CRAs so you can then ask for the ICL loans to be supressed. But it’s too soon now.
Laura says
Hi Sara
With quick quid asking for more time to raise cash for creditors. is this likely to extend the time scale to ask for the loans to be suppressed . I was hoping in a couple of months to ask the cra to suppress the information. As I did not manage to get my claim in but had 15 loans with them.
Sara (Debt Camel) says
Yes probably.
Claire says
Hi
I have 14 loans from lending stream from July 2017-feb 2019, is there anything I can do to have these suppressed? All were paid off and closed but it is stopping me getting a mortgage. Thanks
Sara (Debt Camel) says
No there isn’t – this “suppression” only works where the lender has gone under.
You can make an affordability complaint to Lending Stream – that may get you some money back.
Claire says
Ok thank you will have a look into it. I’ve just had a mortgage rejected due to the amount of loans. Do you think they will reconsider once the loans are 2 years satisfied or longer due to the amount of them?
Sara (Debt Camel) says
I don’t know, but next time go through a broker, not direct to a lender.
Catherine says
Hello, I was hoping someone can help me ? A Wonga loan was taken out under my name by a family member, which is very awkward ! How do I get this taken off my credit file please ?
Sara (Debt Camel) says
This is identity theft – you can contact the CRAs as the article above says asking for the record to be suppressed as you can no longer ask Wonga to do this.
N says
Hi all. I made a complaint to the financial ombudsman about Experian not removing my Elevate accounts from my credit file. Experian has now agreed to remove all elevate accounts but say that there is a chance this may have a negative impact on my credit score as they will be removing accounts which show no missed payments and now settled. My question is, is it worth having them deleted?. Thankyou
Sara (Debt Camel) says
What is the rest of your credit record like? Is there any chance you will apply for a mortgage?
N says
Hi, thanks for the quick reply. On credit karma my scored is in the ‘needs work’ category. I currently rent but am looking at applying for a mortgage in the next few years when my record is better.
Sara (Debt Camel) says
Then I suggest you want as many payday loans as possible off your file. Even if your score drops in the short term.
N says
Great, thankyou for the advice.
Nigel says
So a payday loan company that has closed, can you contact their admin and say can you remove the loan now it is paid off as it was unaffordable, if they don’t reply go to cra and get them to suppress it?
Sara (Debt Camel) says
Which lender? different administrations are at different stages…
Nigel says
Just got this reply from Experian what can I say in response, how do I reply raise it again
In October they ceased sending us updates and their active/open CAIS records are now being deleted from the report.
However, settled accounts and satisfied defaults will remain on the file for the six years from the date of settlement and default respectively.
Furthermore, if you have anymore concern about these accounts then please contact the lender directly at:
Elevate Credit International Ltd: Ross House, Kempson Way, Bury St Edmunds, IP32 7AR.
Sara (Debt Camel) says
You should reply that you think the records that are still showing should have been deleted by Elevate (assuming that is what you think?), however the administrators have said that
“We have transferred the control of maintaining any remaining records to the credit rating agencies, as we will not be maintaining these records going forward. Any further queries regarding entries on customers’ credit files in relation to ECIL loans should be raised with the relevant agency directly. ”
so you want Experian to suppress these records as they are incorrect.
Nigel says
Just spoke to Experian who said that suppressing just means you can’t see it lenders can is that correct?
And because the loan is closed they can’t supresss it anyway.
Sara (Debt Camel) says
no, both those statements are wrong.
Jim says
Does anyone know when QuickQuid are due to be finally liquidated and gone? They are refusing to remove the 3 entries from my credit file. All paid on time no issues. 3 years old. Affordability complaint last year thrown out. So now, only option is to suppress, but they still exist and surprised the administration is still going on!
Sara (Debt Camel) says
They aren’t close to ending. I suggest you come back in 6 months and ask again. But it is a mistake to ask too soon.
Jim says
I haven’t asked the CRAs yet. I am waiting for QQ to liquidate first. Just looked on the administrators website and states the extension is now until 21 Oct ‘21. Hopefully this will be the last extension but they alluded in their narrative they could extend again!
Tony says
Hi Sara I had two loans with myjar both paid on time in full at present myjar are closing and have asked all 3 CRAs to remove loan information from credit files I have noticed they have gone from trans union and Experian but not from equifax I have asked equifax to remove them and have refused saying neeed to record right information will I go to financial ombudsman or complain to them again cheers
Sara (Debt Camel) says
Does Equifax say the administrators say the record is correct? Or does it sound as though Equifax hasn’t asked them? Or hasn’t had a response?
Tony says
They have said cannot remove with out original lenders permission which I think myjar have and that they will in the mean time ask myjar so don’t know what equifax are doing really if these have gone from other CRAs why I’d equifax dragging it’s heels??
Sara (Debt Camel) says
ok so you just wait while they ask Myjar. This is how it is supposed to work. If no response in a month, go back and ask Equifax to suppress the record and say your complaint gors to FOS if they won’t.
Tony says
Thanks Sara I will do that thanks for your advice
Nesta says
Does anyone know if Peachy (Cash on go Ltd) are responding to CRAs?
Sara (Debt Camel) says
I think unless some has clear evidence about this you should assume they are at least until they have paid the small % on refunds.
Mark says
Hi Sara. I have 2 defaulted accounts with sunny, defaulted in 2020 taken out in Sept 2019. I feel I was missold the loans as I was already in financial trouble. Many defaults, low credit score, a ccj and no wages coming in to the account used. The accounts have been sold and are now with lantern. Can I make an unaffordable loan claim? If not is there anything I can do?
Sara (Debt Camel) says
It is too late to make a claim to the Sunny administrators. Unless the loans were large you would have been unlikely to win a complaint with only two loans anyway.
You could make a payment arrangement with Lantern. It sounds as though you have a lot of other problem debts – I suggest talking to National Debtline on 0808 808 4000 about your options for this debt and your full situation.
Bonnie says
Hello I have been in contact with Myjar as the loans are meant to be deleted from credit reports I have received the below:
We are having a lot of trouble with Equifax. Experian and TransUnion records have been deleted. Please note ClearScore is not a credit reference agency, it gives you access to data held and managed by Equifax.
Equifax will not agree to remove data and will only remove settled accounts once the Administration has ended – which is not anticipated for a further 12 – 24 months.
Equifax have agreed that we can have a “Stop Press” facility, which we were finally granted permission on 1 September 2021.
We will forward your request to My Jar Limited. Once they have taken the necessary action, they will contact you to inform you of the outcome. You will not receive communication from us once the action has been taken.
If there are still entries on your credit record that you believe should no longer be there, please take a screenshot of this and email My Jar limited – info@myjar.com with the information. They should be able to investigate this for you.
Sara (Debt Camel) says
who was that from?
Bonnie says
I had emailed myjar but the response came back from Harrison’s. I’m not actually sure what it means!
Sara (Debt Camel) says
Harrisons are the administrators.
I suggest you reply and ask what a “Stop Press” facility is as you haven’t heard of it. Ask if this is the same as suppressing a record.
Bonnie says
Juts got a response to the question Sara:
The ‘stop press’ facility indicates that we are given authority to access Equifax data and remove your negative credit balance.
Bonnie says
09/10
Just to update I have now had an e-mail from Harrisons re: MyJar that they gained access to the reports from Equifax and that the credit entries have now been deleted from Equifax!
Sara (Debt Camel) says
Great!
Bonnie says
Does anyone know if Quickquid is still responding to CRAs?
Deb says
I have five Elevate accounts showing on my credit report as closed and zero balance,updated on 9th June 2019. Sll Capital are claiming to have bought (and sold) these accounts (before administration but didnt give date) and that they are still active. They have changed the amount owed due to redress for Sunny’s accessing affordability aproach. Very confusing. No Debt collector searches on my credit file and no hard searches. Do I now owe this balance to new company?
Sara (Debt Camel) says
Did you think the loans had been repaid?
Deb says
Im not 100% certain they all were. As the update to the account was well before the administration date and only recent contact from the company I am unsure. Can the account be sold but show as closed and zero balance?
Sara (Debt Camel) says
yes it can.
You need to ask SLL Capital for a statement of the account – you may then be able to check if it is right from your bank statements.
SLL may accept a settlement offer from you if you decide you do owe the money.
Bamman says
Are anyone aware of other administrators that have stopped responding to CRA queries ?
Sara (Debt Camel) says
it would be easier if you list the ones you are interested in….
Bamman says
Active Securities
Instant Cash Loans
MyJar
Also a second question. I won in ombudsman against Provident (Satsuma) but the loans are still showing on reports as settled. Is there a way to get these suppressed? Thank you!
Sara (Debt Camel) says
It’s too soon for any of those – another 3-6 months probably.
Did FOS say to delete the Satsuma records or just remove negative information?
Bamman says
Just remove negative information.
Sara (Debt Camel) says
Then you can’t grumble at the moment. In about 9 months to a year when Provident have probably stopped talking to the CRAs you can ask for them to be suppressed.
Bamman says
I got this email from My Jar :
“Regarding your credit file, please be advised that MYJAR took the decision to request Experian, TransUnion and Equifax remove all entries from credit files, meaning that your credit file would no longer show any information regarding your loan with MYJAR.”
Paul says
Hi. I have just checked my Equifax report for the first time and there are lots of loans still showing with Wonga and Elevate that have already been supressed or removed with Experian and Transunion. Is it likely that I can get these supressed with Equifax please?
Sara (Debt Camel) says
yes. Tell Equifax.
Paul says
Thanks Sara. I will call them. Do you know if administrators at Wonga, Sunny and MyJar are responding to these requests to have them removed?
Sara (Debt Camel) says
Wonga has been dissolved. The Sunny administrators won’t respond. Myjar I am not sure about
Paul says
Last one sorry, how about Peachy? Thank you for the information.
Sara (Debt Camel) says
Peachy administrators have paid out so I think they will probably have stopped responding to the CRAs.
Paul says
Had this from Peachy administrators today:
Unfortunately that does not change the position as the Joint Administrators are not responsible for entries which appear on your credit report. I would include any past correspondence with Cash On Go Limited (trading as peachy.co.uk) to TransUnion if this correspondence confirms that your credit report is not accurate.
Paul says
Equifax have today deleted all loans from Wonga and Sunny. That’s 21 loans in total.
I just need 3 from MyJar and 2 from Peachy deleted/suppressed.
I hope there’s a chance of this!
kelly says
Hi Sara,
Firstly thanks for all your help with this website.
I raised a complaint with Quick Quid but was not upheld. What would be the best process to see if I could get there contents deleted from my credit file?
Thanks again,
Kelly
Sara (Debt Camel) says
Wait at least 6 months and then ask. This is too early, the administrators are currently responding to the credit reference agency queries. You want to wait until the point where they have paid out all the money and are in the final winding down stage.
P says
Had some success in deletion and suppression of loans since the turn of the year:
13 x Wonga (deleted)
8 x Elevate/Sunny (deleted)
3 x MyJar (deleted)
4 x Uncle Buck (deleted)
2 x MoneyBoat (removed by company as a gesture of goodwill upon asking them)
Just two left showing for Cash on the Go/Peachy that in one more week may be supressed if they don’t respond.
That would be every single payday loan I’ve ever had not showing on my credit file.
I’m absolutely over the moon to be honest!
Bamman says
Hey. How did you get MoneyBoat to remove it as a gesture of goodwill? What did you tell them? Thanks
Lynda says
So I received an email from Transunion saying
“TransUnion is unable to amend an entry without the permission of the organisation responsible for supplying it and as a result, we cannot assist you further with this dispute. We would advise you to contact Elevate Credit International Limited directly in order to discuss this matter.
The disputed entry will remain suppressed from your credit report; however, please bear in mind that Elevate Credit International Limited can remove the suppression at any time.”
Does this mean that my credit score will improve? or just that it’s hidden from lenders.
I used the reason that I hadn’t received notice of my default.
Thank you for your help!
Sara (Debt Camel) says
So far as I know, suppressed records are ignored when calculating a credit score.
BUT in any case no lender sees the credit score that is is calculated for you. If a lender can’t see that disputed debt, they can’t take account of it.
Lynda says
Interesting. I can’t get in contact with Elevate (Sunny). Does this essentially mean I don’t have a course of action? Thank you for your response.
Sara (Debt Camel) says
what do you mean by “a course of action”? what are you thinking of doing or what are you worried about?
Lynda says
I’m trying to remove the default completely from my record so that my credit score improves. So I’m not sure how to proceed at this point this I’m unable to get in contact with elevate credit.
Sara (Debt Camel) says
Your score may well improve, I am not saying it won’t. But there is nothing more you can do,
S says
Missed the deadline for the Quick Quid / Cash Euro Net claims portal debt now sold to Lantern. I have had successful similar claims with another company based on being the loan being unaffordable and I am certain that my claim would have been successful had it been reported. Any advice on alternative routes to compensation regarding Quick Quid / Cash Euro Net now that the February 2021 deadline has passed?
Sara (Debt Camel) says
what is your current financial situation?
S says
Currently have two defaulted credit accounts. One of those is the QuickQuid now Lantern account and the other being a credit card.
Sara (Debt Camel) says
Then you may need to make a monthly payment arrangement to pay them? Assuming you are up to date with your bills and can manage the energy and other price rises coming? National Debtline on 0808 808 4000 can talk you through the process and how much it is sensible to offer.
Sarah Kennedy says
If a default from a company that is no longer responding to CRAs or taking affordability complaints, was passed to a debt collection agency e.g. ACI, will this approach work?
How far off is PiggyBank from this stage of administration?
Also curious about:
MyJar
Active Securities
Sara (Debt Camel) says
If a default from a company that is no longer responding to CRAs or taking affordability complaints, was passed to a debt collection agency e.g. ACI, will this approach work?
which lender is this?
Sara Kennedy says
Piggybank loan sold to ACI
Lauren Kears says
Hi, hope you can help please.
Pounds 2 Pocket loan from 2018 showing as a default on my credit file with Lantern. Raised a dispute with Equifax (18days no response so far) Also raised complaint with Lantern as pounds 2pocket went into administration and stopped taking my money, applied default without telling me and then sold loan to Lantern. Currently refusing to remove the default but they are very hard to get a reply, had to keep demanding on the online chat and took them 2 weeks to reply. I’ve sent a response battling the default but will take them forever to reply again.
Is my best option to hope they don’t reply to Equifax? or keep arguing the default. If the Dispute is suppressed will Lantern re raise this at some point if I don’t pay?
I’m trying to get a mortgage and they’ve gone and ruined it!!
They stopped taking the monthly payment and the company were uncontactable at the time! So left me no option than to do nothing. I paid every month, they then didnt take feb 2019 payment and put a default on the same month then sold the loan to lantern. So i did not even have 1 missed payment before they added the default
Sara (Debt Camel) says
There is about zero chance Lantern will not respond to Equifax.
Do you have your bank statements from 2019 showing you were making the payments then P2P stopped taking them? Did you email P2P about this and not get a reply?
Lauren Kears says
Well so far they have not responsed and it has been 18 days. They have 3 days before Equifax they supress the default?
My bank shows the payments stopping, I tried to email + Call, nothing ever happened.
My argument is that to apply a default you need to miss 3-6 payments, I didnt miss any, they just stopped taking payments as they went bust! Also never received any form of communication from them or Lantern, not any. So i had no idea about this default until now
Sara (Debt Camel) says
If they stopped taking payment, you should not have a default.
them going bust though is not relevant because in most cases they did not stop taking payments, they just continued. If you have copies of emails that you sent that were never replied to, this will help your argument.
Lauren Kears says
Yeah that is what I mean, Very strange going on ! They applied a default the month they stopped taking my payments so before anything was even missed so it makes no sense to me.
If Lantern don’t reply to equifax within 21 days, they said they will supress the disputed information. Is this right ?
Lantern appear to be difficult to get a reply !
Sara (Debt Camel) says
If Lantern don’t reply to equifax within 21 days, they said they will suppress the disputed information. Is this right ?
Yes. But then it may be unsuppressed if lantern do reply.
Lantern appear to be difficult to get a reply !
If Lantern persist with this, then you can make a complaint.
Lauren Kears says
Thank you Sarah.
You have been helpful.
Hoping they just don’t reply and it stays that way. That is the least stressful option!!
Lauren :)
B says
Hi there, thanks for all of your advice.
I managed to have Elevate accounts fully removed from Experian and Equifax credit reports, and Transunion have agreed to suppress the file. For those still battling, be persistent!!
What would this suppression look like to me when I check my credit report? How can I ensure this has been done accurately?
Sara (Debt Camel) says
I don’t know – could you look and report back? Other people would be interested in this.
“Suppression” is not a normal procedure at all.
Lewis Kears says
Hi,
Lantern have not responded to my Equifax dispute – they will now suppress the record. Have you found out what this will look like on your report? I am curious too.
Also do i need to raise the same dispute with all of them? Lantern still taking ages to reply to my complaint, giving excuse’s and no proof of anything! Ombudsman have replied today, They have sent the dispute to Lantern – Can only presume that will also take FOREVER,
Thanks :)
Jordan says
Hi all
Just looking for some advice/help on getting 2 defaults removed:
One is with wonga and one is with moneybox 24/7
Both had said once I made the settlement payment they will remove the default from my credit file to which they didn’t, plus wonga has updated one CRA as satisfied but not updated the other. Any advice would be very helpful
Sara (Debt Camel) says
Wonga, contact the CRAs and ask them to suppress the information as the article above suggests.
247 – did you make a claim to the administrators? was the claim upheld?
Jordan says
I can’t seem to find an option for suppressing how do I do this? Also which article I can’t seem to find it (sorry to be a pain bit all over the place atm as was looking at getting a mortgage)
With moneybox I have emailed them many times which I have received no replies at all
Sara (Debt Camel) says
These comments have been left at the bottom of an article all about suppressing debts at a CRA. Scroll up to find it
Moneybox administrators have now paid out, if you have managed to claim it is too late. Wait another few months and you will be able to suppress the Moneybox loans too
Sean says
Hi Sara – thanks so much for the great information. I have managed to have Wonga loans removed from all three CRA reports.
I also have an Instant Cash Loan record that I wish to suppress, could you please advise me on the latest regarding my options for removal/suppression please. Looking at the link below, ICL entered a scheme of arrangement, whatever that means.
https://www.financial-ombudsman.org.uk/news-events/instant-cash-loans-limited
Thanks
Sara (Debt Camel) says
THey too won’t be answering CRAs, so you can get those loans suppressed as well.
Sean says
Thanks, I’ll get back in touch with the CRAs in that case.
With regards to my Wonga loans, Experian didn’t actually have these on their records. Was is common for Wonga not to report loan information to Experian and send the info to Equifax and Transunion only?
Sara (Debt Camel) says
yes, many lenders only report to 1 or 2 CRAs not all 3.
Paul Butler says
Hi ive not received any email from pounds to pockets about mine and my wife’s claims please can anyone has had any details from them
Sara (Debt Camel) says
see https://debtcamel.co.uk/quickquid-casheuronet-administration/ for what is happening.
Jess says
Hi Sara,
Please could you kindly advise out of the below companies who are at the point of administration / liquidation where they’re not answering CRA’s anymore (IE I can then request the CRA’s to remove / suppress?):
Payday UK
My Jar
MMP
Emergency Cash Ltd
Cash on the Go
DJS
Wageday Advance
Thank you v much in advance
Sara (Debt Camel) says
I suspect:
Payday UK
MMP
Cash on Go
Wageday Advance
Jess says
Thank you Sara. And would you advise trying to get the CRA’s to remove in the first instance, and if they won’t do that then ask them to suppress rather than remove?
Thank you
Sara (Debt Camel) says
they won’t remove.
Kieran says
Thanks for the advise Sara I wish I had read this a few months ago.
26 loans from a few years back mainly elevate (sunny). Took me a good few hours to dispute on Experian, Equifax and TransUnion but looks promising.
Equifax has the longest process for disputes but in 3 working days they have removed (I presume not suppressed as I can’t actually see them anymore) all loans. Experian have replied saying they can’t remove so I’ve asked them to suppress but suspect this will take the full 28 days. Nothing from TransUnion yet.
Thanks again.
Nesta says
Hi Sara,
I don’t know if you or anyone else had an up to date list of lenders who are no longer responding to CRA queries.
If anyone has one please can you share, just as an idea it would be useful if we had a full list which is regularly updated.
Thanks
Nes
Sara (Debt Camel) says
I don’t. Which lenders are you thinking of?
Jimmy says
Hi Sara,
So I’ve had a pounds to pocket that went to lantern debt collectors claim won and been told that it would be removed from my credit file. Now this morning I have an email from lantern saying “
Please accept this email as confirmation that the account has now been closed. Any information that we share with credit reference agencies will be updated within 6 to 8 weeks to show the account as satisfied.”.
Would this be the same as it not being on my credit or should I contact them asking for it to be removed like it was supposed to be?
Sara (Debt Camel) says
No that is not good enough. Either the debt should be removed or the default should be removed and it should be marked as settled.
Jimmy says
Okay thanks Sara, should I reply to that email saying this?
Sara (Debt Camel) says
Yes
Jimmy says
Hi Sara so I did reply and now lantern have responded this morning with the following email.
“Thank you for your recent communication.
We would like to make you aware that your credit file will appear as fully satisfied, however your default will not be removed for six years from the default date.
Yours sincerely
Lantern“
What do you think I should do now? It was clearly stated from casheuronet that it would be removed from my credit record.
Thanks
Sara (Debt Camel) says
Send Lantern a complaint in writing be emailing them at complaints@lanternuk.com. Send the complaint to the Finacial Ombudsman if they do not change their minds.
Bobby Digital says
Hi, I’ve tried to get some records with Transunion suppressed. They have emailed me back saying the below on all of my disputes:
“Further to our previous correspondence about case reference xxx, we can confirm that yyy Ltd has not supplied a response to the dispute raised on your behalf.
TransUnion is unable to amend an entry without the permission of the organisation responsible for supplying it and as a result, we cannot assist you further with this dispute. We would advise you to contact yyy Ltd directly in order to discuss this matter.
The disputed entry will remain suppressed from your credit report; however, please bear in mind that yyy Ltd can remove the suppression at any time.
We trust that this information is explanatory.”
So I’ve looked into my CreditKarma report, which now shows a notice of correction against the accounts that I’ve suppressed. My TransUnion statutory report still shows these accounts as well. So I’m a bit confused as to if this record has actually been suppressed, or if they’ve just added a notice of correction with my note to say this loan should have been deleted. Do you have any idea at all what TransUnion have actually done and how this will appear to lenders?
B says
Hiya,
Seen your post in emails and exact same thing happened to me. I think it was actually a delay. At first mine showed as “notice of correction” then they deleted the next update.
As far as I can see now they are gone, although I know they are just suppressed.
joe says
hi there,
i fooloishly took out 2 items with brighthouse and was struggling to pay, lost my job and ended up getting the accounts defaulted in 2019.
i previously contacted them multiple times to discuss the account and it’s so difficult.
i’m now wondering if i can have the defaults supressed as they went into administration
Sara (Debt Camel) says
you will be able to get these suppressed but I think this is too soon. You need to ait until it is very late in the administration so there is no chance of the administrators reponding to a query from the credit reference agencies. At least another 6 months I am afraid.
Karina says
Hi
I had a defaulted 2019 loan from quickquid, and I missed the claims deadline (wasn’t even informed it was an option, only found this out today). I have emailed them directly asking for no compensation but for the default to be removed from my file. Is this likely to be possible? If not, when would I be able to ask the CRAs to suppress this information? Hoping to get a mortgage next year. Thanks
Sara (Debt Camel) says
What happened after the default – did you repay it? Was the debt sold?
Karina says
It was sold to lantern and I’m in a payment plan with them just now thanks
Sara (Debt Camel) says
Then getting the record suppressed from QQ will not change it on the Lantern record. This default needs to be repaid asap. At least a year before a mortgage application.
Karina says
Oh that’s frustrating, so would It not be possible to suppress at any point this because it was sold to lantern? Even if it’s paid off?
Sara (Debt Camel) says
You have to ask Lantern to do it. A record only gets suppressed from a vanished lender because they aren’t there to tell the CRA that it is correct – unless you can argue to Lantern that there is something wrong with it, they are unlikely to agree to remove it.
Karina says
Have people managed to have any success arguing with lantern that a loan was unaffordable? I had other defaults on my record at the time etc – would you say it was possible?or am I fighting a losing battle
Sara (Debt Camel) says
It’s really rare to win an affordability complaint with a debt purchaser. Sorry but this needed to be taken up with the lender before now.
Karina says
That’s ok – thanks for your help!
Karina says
Out of curiosity, it shows on my credit file as a lantern loan, will future creditors know that it was a quick quid loan? Or will it just be listed as lantern. Quickquid doesn’t appear to be on my file, just the lantern default. Thanks again :)
Sara (Debt Camel) says
Is it flagged as a payday loan?
Karina says
I have just checked my Experian (I was using clear score) and the quickquid loan is showing there along with the lantern debt, so it looks like 2 separate defaults rather than one? Is this correct or can that be rectified? The dates aren’t the same on them both either which is a bit strange
Sara (Debt Camel) says
That is normal – the credit scoring system only counts one of them.
What is different about the dates?
The most important thing for a mortgage is that the current debt is cleared at least a year before the mortgage application. (as with any other problem debts). Also is the debt markes as a payday loan?
Karina says
Yeah on Experian it’s marked as a payday loan unfortunately. I will clear it in full over the next 2 months. Strangely, the lantern debt default appears to be earlier than the one listed from QuickQuid. My It’s still categorised as ‘very poor’ so a long way to go. I have several open accounts and haven’t missed a payment since 2019 and all are categorised as ‘in good standing’ so hoping this stands me in good stead regardless of the actual credit score number
Sara (Debt Camel) says
how many defaulted debts do you have that have not been cleared? They ALL need to be settled a year before a mortgage application if you are to have a hope of a decent rate mortgage from a high street lender.
Did you have other payday loans as well?
Did you have other high cost loans or other debts?