I was a Koodo mobile user from May 2014- Dec 2014. During that time I also set email notification in my online account.
In Dec 2014, in order to transfer to Wind Mobile I paid off all my tab balance on Dec 7, 2014 ($324.97). I called Koodo Mobile telephone representative and according to her my account was successfully canceled and there was nothing else left to worry about.
Until Dec 2017, I purchased a house and prepared paperwork for the mortgage. The broker told me that I have an outstanding unpaid bill from Koodo in the past 3 years. The balance is $6.78. Apparently, it has affected my credit a lot since I have never had one delayed payments. I am always very careful in building up my personal credit. The minute I knew this I was very angry and upset. I cried because I am so afraid if this could actually impact my mortgage application under this hot seller directed housing marketing and strict mortgage policy.
I never opened my Koodo online account after transferring to Wind Mobile because I never thought there could be a balance there and my account was not closed!! There was neither a mail bill nor an email billing notification sent to me in the past 3 years. The sale representative I talked with was unresponsible and did not tell me there is a small balance that I need to pay off. The email notification in online system did not work as well! I never got a notice about any billing issues related to owing Koodo $6.78. This is ridiculous.
I paid off the 6.78 dollars on Dec28, 2017 (as soon as my broker told me about this owing). However, my credit score was dragged off a lot by this bill. I still do not know if I can get a mortgage for my house.I try to call Koodo Mobile recently but the waiting time is incredibly long (40 min). The only thing I inquire is to remove this owing from my credit history. I do not think a 6.78 forgettable bill (not I intentionally refuse to pay but the mobile company did not notice me about the bill)can give me a huge negative impact on my credit score. Also, I do not think the phone representative was responsible for taking care of closing my account.
I would like to thank you for your time in reading my story. Look forward to any reply