Hello my name is XXXXX XXXXX I will help you with this. Please note that I am a working Solicitor and may be on and offline as I have to attend Court and meet with clients, even at weekends. As such you may not get an instant response when you reply as this is not an ‘on demand’ live service, but rest assured I will be giving your question my immediate attention upon return. There is no need to wait here, you will get an email when I reply.
Is the information on your credit file accurate though?
All you can do then sadly is file a notice of correction.
If it is accurate you can ask the Credit Reference Agency to add 200 words to your credit file explaining why it is the situation happened.
You can not get it removed unless the mobile company agree
You accept that this is accurate so you can not challenge it in Court.
Therefore the only option you have left is a notice of correction which lenders will see when they search your file.
I am sorry if this is not the answer you want and certainly not the one I want to give you, but I have a duty to be honest.
However if it is just a missed payment as long as you have maintained 12 months without missing anything, lenders do not normally care.
Can I clarify anything for you about this today please?