As the title suggests.
Somewhere in October, I have rented a room from a private landlord. I am not responsible for any bills, I just pay my rent and he has to deal with everything. There are other people living in the house.
So, the landlord has added me to the gas bill without telling me and has made 2 late payments which brought my credit score downby 260 points.
I have only noticed this now because I couldn't get my address changed on experian, and I've only managed to do so last month.
On a free account everything gets updated after a month. So imagine my surprise, when today, while checking my account which I've been working on for the past year to see how much it went up, I see that i've lost all that progress, plus interest.
I've immediately paid the fee and got creditexpert, checked what was going on, and noticed that I had a utility bill to my name and that 2 payments were late, one of 120 and the other of 620.
I called creditexpert landline and they've told me they've sent a mail to the gas company to ask what the steps to follow would be, but it may take up to 30 days.
Does anyone know what else I could be doing in this situation?
I've spoken to the landlord and he is acting dumb.
TLDR: Landlord screwed me over, and added my name to the utility bill without telling me, which bill he failed to pay on time, 2 months in a row (120/620), this has negatively impacted my credit score, lowering it by 260 points. Talked over to experian and they've sent a mail to the gas company, but that is as far as they can/will help.
Submitted March 14, 2019 at 06:22AM by txo999 https://ift.tt/2O7LBRa
