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The original was posted on /r/lifeprotips by /u/carl0071 on 2024-11-04 10:15:59+00:00.

I discovered this by accident about 10 years ago. I had made a couple of separate late payments to a utility company, but the company had incorrectly reported 5 simultaneous months of late payments to Experian (anything over 3 months of late payments is REALLY bad for your credit).

The company had recently gone into administration so I was worried it wouldn’t be amended after I raised the dispute.

Instead, just over a month later I received an email from Experian to say that as the company hadn’t responded, they were removing the entire account from my credit report.

My credit rating went up by about 160 points instantly.