British Gas - Equifax

[Wandsworth2015]

Recently (in the last two months, June 2016 ) Equifax started recording the payment states of utility companies including British Gas, I have both gas and electric with them.

 

They added a two BG accounts for Gas and Electric going back to August 2014 in June 2016.

 

From August - October 2014, british gas recorded three detrimental months on my file which have had a detrimental impact on my score. I've requested information during this period as I do no recall ever agreeing to pay monthly during this time, I didn't start a direct debit until 2015.

 

They have stated they have no data available that far back or an agreement with me?

 

How can they report detrimental historic information without an agreement or without my knowledge and worst still, no ability to prove why?

[citizenB]

When did you first sign up with British Gas ? They should be able to provide information for at least 6 years.

[Wandsworth2015]

I signed up more than 6 years ago.... I've raised a ticket with Equifax and also contacted British gas again and requested hard copies of the agreements and documents / billing for the period.

 

I suggest that the customer "service" people have no clue what their doing and are designed to react to normal issues

[ericsbrother]

you can place a dispute note on your credit file as well.

I suspect that if you pay quarterly their stupid reporting system show this as being in debt for 2 months. Bet advice? leave BG and find a supplier that doesnt report, such as Greenstar or the Co-OP

[obiter dictum]

Missed payments only have a detrimental impact for about six months anyway. As long as you keep a your other agreements on time the negative score, which means squat in reality will improve