Hi all, After many long years, I am finally free from most of my problem debts and had expected my rating to improve dramatically. However despite this, it is still showing very poor on Noddle, Checkmyfile et al. I spoken with Checkmyfile for their view and think i know what the issue is. I lived in flat from Dec 2007 to April 2012 where most of my issues racked up - lost job, British Gas meant i stopped paying certain things to keep them off my back - stupid i know, but when backed into a corner not knowing the way out, i just acted. i finally moved from that address, provided a forwarding address and settled final bills. Fast forward to now, and i have found the following: - British Gas are still reporting two accounts at my old address with a late payment marker - These have been reported as late payment since 2012 - no default - According to the CRA, they are reported like active accounts - The gas account was settled at the time. These are two electricity accounts! - The late payment markers are the main reason for my very poor rating - all other accounts are in good shape! I've tried to contact BG four times in the past week with no joy. Only once did i speak with someone who said the accounts were so old, they didn't store any information on them. They did however show two electricity accounts that were in arrears to the tune of £243 and £262!! I was adamant that i had paid to which he said, there is no record of this and i would need to prove it. I've changed banks twice since 2012!! They have never called, emailed or sent a bill out to either the old address (which incidentally i still own but rent out, and has been leased since i left. The new tenant even changed to E-On) or the forwarding address i provided (my in-laws). I am confused by the fact that they have never added a default notice to my file or made contact. What is most worrying however is that I paid and settled the accounts but they have no record! BG made my life a misery and despite being away from them for years, they are still affecting me. My wife and I have tried to remortgage only to be refused - this is the reason!! The remortgage is critical as she is now on maternity leave with no income - I am supporting all three of us and the mortgage payments will go up from January. It gets better - I have a role in financial services and have worked hard to get into a senior position - a poor rating is not compatible with this role and means that my job is in jeopardy! We're now sick with worry at the worst possible time of year... Actions taken so far are: - I have sent a Section 10 DPA notice telling them they cannot share my personal information. Don't know if this will stop further damage. I have noted in this letter that their actions are unwarranted and are affecting not only myself but my wife, who was never linked to that address or these accounts. - Have also sent a complaint letter by email and post demanding they close accounts, clear balances and remove adverse credit file information. Has anyone else come across something like this themselves? Any advice as to how i can finally rid myself of these HELP! Thanks, Matt