koodo is ruining my credit history despite I have automatic top-ups for years. Why? Can you correct it or should I abandon koodo?

  • 1
  • Question
  • Updated 9 months ago
Archived and Closed

This conversation is no longer open for comments or replies and is no longer visible to community members. The community moderator provided the following reason for archiving: 1866

I just found out koodo is ruining my credit history for years despite I have automatic top-ups for years. Why? Can you correct it or should I abandon koodo?
Photo of ab

ab

  • 102 Points 100 badge 2x thumb
  • betrayed

Posted 9 months ago

  • 1
Photo of Paul Deschamps

Paul Deschamps, Mobile Master

  • 199,560 Points 100k badge 2x thumb
Hi Ab, can you explain how Koodo is ruining your credit exactly so we can understand what the issue is better? Thanks
(Edited)
Photo of ab

ab

  • 102 Points 100 badge 2x thumb
here is excerpt from CH I just received (the other parts of my CH - credit cards, etc - are excellent, rated R1, C1, etc):
"KOODO MOBILE (866 995-6636) last reported to us 2017/07/12 rating your open account as 04, MEANING THREE OR MORE PAYMENTS PAST DUE. ... From 2012 to 2017 there has been 62 reportings .. " (followed by 60 dates of "delinquent payments")
Photo of Cory

Cory

  • 10,482 Points 10k badge 2x thumb
You are best to contact Koodo directly for this issue.

I doubt they made that many "mistakes" though. I can't see how they can erroneously report that many delinquent payments....
Photo of ab

ab

  • 102 Points 100 badge 2x thumb
Well, Cory, I am not the only one having this problem - some technical glitch in koodo web application, or its communication with payment infrastructure... Rest assured I am not the one who is delinquent here (auto top-ups for years, and valid credit card for years). Most probably I will leave koodo.
Photo of Cory

Cory

  • 10,482 Points 10k badge 2x thumb
In that case, I would contact them via Facebook or Twitter DM as soon as possible!
Photo of ab

ab

  • 102 Points 100 badge 2x thumb
I just talked to customer representatives. It took me more than 1 hour. I was being passed from one representative / division to another, like a hot potato, mostly not understanding were I am right now, and why, and explaining myself again and again.
Finally, the thing was resolved (hopefully) with that there is some leftover account with 5.65$ due, which I had no clue existed (I shifted in 2012 from some expiring plan to prepaid, with same phone number, same person, same credit card; I supposed seamlessly), and which was reporting to Credit Bureau via 'collecting agency' my $5.65 due since (I was told there is a $20 limit under which it should not be reported).
Seems to me quite a level of, I would say stupidity, but I understand that just 'internal processes' do not work as they should.
Photo of rikkster

rikkster, Mobile Master

  • 67,084 Points 50k badge 2x thumb
If you haven't already done so, you may want to take a look at the process of updating or disputing the errors that appear in your credit report.

https://www.transunion.ca/assistance/credit-report-disputes

http://www.consumer.equifax.ca/dispute-ca/dispute_process/en_ca

https://www.ic.gc.ca/eic/site/oca-bc.nsf/eng/ca02181.html

This conversation is no longer open for comments or replies.