Hello,
I have not been checking my credit score frequently for the past 3-4 months as I was not really looking to buy any property as I only recently thought about searching for property. I had a look at my score couple of days ago and i found out i had 3 missed payments of £3. I have a permanent contract with ID which i currently use, however this Sim I had taken out temporarily for my parents when they came to visit me in London. I had closed the account following a call with the customer service agent. I had not received any letter of late payment to notify me, otherwise I would have instantly paid it off. Afterall, I have a regular ID sim contract for my phone and never missed a payment! However this was not the case I can see now. This resulted in those 3 missed payments. I spoke to ID mobile on the chat and they apologised and paid the missing payment themselves. This has taken a massive hit on my credit score and I was going to apply for mortgage to buy a property. I have a very young family and we have been renting. Finally now we got some money saved up to buy a home and this happened. . I don't know how to rectify this as if you look at my details its completely perfect and my score came down due this issue. Is there anything that can be done to remove this from my credit score?