We are legally obliged to keep a true and accurate record of your payment history with O2, which is shared with the credit agencies, so we cannot remove or amend a loading that is correct. The default record will stay on your credit file for six years from the default date. This reflects that there was an outstanding balance which went into default, showing the date it was due to be paid and the date it was cleared. When you pay your account after a default has been loaded, your credit file will show as 'satisfied'. Your account will have been through our full collections process before this happens. When making payment for an overdue bill, the credit file will show that the payment has been made, but the late payment loading remains on credit file reflecting that a bill was paid later than the due date.Ī default will be loaded onto your credit file when an account balance remains unpaid for 6 consecutive months. If the payment is paid 1 month late it will show as a '1', 2 months late will show as a '2' etc. You can check your bill amount and pay your bill in My O2 if your Direct Debit fails.Ī late payment record will be loaded on to your credit file when a bill is paid late. We’ll also send you a text to let you know we haven’t had your payment. If this happens we’ll try to take the payment again. Sometimes your Direct Debit payment might fail. This means you'll only have to tell us about your requirements once. Once you’ve let us know your preferences and adjustments, we can tailor our services to you whenever you contact us. If you find it difficult to access any of our services due to a disability, you might find it helpful to register for our Access For All service. How do I get additional support for a disability or personal situation? We may ask you to provide your phone number so that we can help you access the most relevant support content. We’re making some improvements to our systems and you may notice some changes once this is complete. If you’re in contract, there'll be an early termination fee in line with our terms
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