Credit file reporting confirmation request

Forum|Forum|2 months ago
June 14, 2026
4 replies
19 views

Hi iD Mobile team,

I have a question about credit-file reporting on my account.

Live chat advised that my balance is now fully paid, the account remains active, and the entries showing on iD’s side are missed-payment markers only, with no default visible.

Could someone please confirm how I can get written confirmation from the relevant credit-file/reporting team of exactly what has been reported to the credit reference agencies?

I will not post any personal account details publicly.

Thank you.

Gemma M

iD Mobile Employee

Hi @Damian3434,

Thanks for getting in touch.

If your balance has now been brought up to date, it can take up to 30 days for this to be reflected with the credit reference agencies and for your account to show as settled on your credit file.

Once this update has been processed, the information reported to the credit reference agencies should reflect the current status of your account.

Regards,

Gemma M

The iD Mobile Social Media Team

Did my comment help answer your question? If so, don't forget to mark the response as the Most Helpful Answer.

D

Damian3434Author

New Contributor

Hi @Damian3434,

Thanks for getting in touch.

If your balance has now been brought up to date, it can take up to 30 days for this to be reflected with the credit reference agencies and for your account to show as settled on your credit file.

Once this update has been processed, the information reported to the credit reference agencies should reflect the current status of your account.

Regards,

Gemma M

The iD Mobile Social Media Team

Hi @Gemma M ,

Thank you. I understand the credit file update can take up to 30 days.

My question is about the type of reporting rather than the update timeframe. Are you able to check whether the account has been reported as missed/late payments only, rather than a default?

I’m happy to provide account details privately if needed.

Thank you.

WelshPaul

Platinum  Contributor

Missed payments are just as detrimental as a default. They demonstrate to lenders that you consistently make late payments and are struggling financially.

I have no affiliation whatsoever with iD Mobile or any subsidiary companies. Comments posted are entirely of my own opinion. Did my comment help answer your question? If so, don't forget to mark the response as the Most Helpful Answer.

Gemma M

iD Mobile Employee

Hi @Damian3434,

Thanks for your follow-up.

Unfortunately, we're unable to confirm what will appear on your credit file before it has been updated, and there isn't a team that can provide this information in advance.

I am truly sorry for any inconvenience that has been caused.

Regards,

Gemma M

The iD Mobile Social Media Team

Did my comment help answer your question? If so, don't forget to mark the response as the Most Helpful Answer.