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I am new to the forum so hope this is posted in the right place.
I would appreciate views on my situation - I recently obtained my credit report and found that there are 2 debt collection searches, carried out by Severn Trent, recorded against my name at my previous address, where I had lived with a partner. The searches were carried out in 2009 after my partner and I had split up and I had left the address. I was in fact paying ST at my new address at the time (and have never made a late payment).
I contacted ST to inform them that I was not at the address at the time of the late payments there but they were unmoved. They said that I should have told them at the time. I was surprised that my ex partner had not done so, so I contacted him and it turns out that I had never been on the ST bill there, it was solely in his name (and still is). Anyway I went back to ST to inform them of this and asked them to remove the searches - again they were refused - they acknowledged that I wasn't on the bill but said that as I had lived there then I had benefited from the water services and was therefore liable for the charges!
So I was not listed on the ST bill at the old address AND I was paying ST at a different address. But still they do not accept that I wasn't liable for the late payment!!!!!!!!!
To me this is beyond belief and I was astonished at their reply. But can someone tell me if ST have the right to record a credit search against me when I wasn't even listed as the bill payer?
Just to add that it looks like I have posted this query in the wrong place. I have looked at the guidance but am not sure how to move it to a more appropriate place - such as CRA??
Can anyone advise? thanks
write to the CRA involved and inform them you want a note of correction placed against these searches, although to be honest searches like these are not visible to other agencies
PGH7447
Getting There Slowly
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Advice is given freely but is in no way meant to be taken as Gospel
Thanks for the reply. I have written to the CRA and am awaiting their response. The searches are recorded in the table 1 section, which means that they are visible to anyone who searches my file, which would obviously give a very bad (and false) impression of me to a prospective lender. I'm just amazed that a company can register a search (and damage someones credit rating) without having any apparent authority.
Thanks for the reply. I have written to the CRA and am awaiting their response. The searches are recorded in the table 1 section, which means that they are visible to anyone who searches my file, which would obviously give a very bad (and false) impression of me to a prospective lender. I'm just amazed that a company can register a search (and damage someones credit rating) without having any apparent authority.
Thanks again
Hi there I just called CRA- They advised me that they are general enquiries and DCA have the right as it's bsiness2 Business- should not affect credit rating or not be visible to other lenders as its not a full credit search just an address search, hope this helps?? I just do not trust CRA or DCA full stop !!!!
Hi.
These searches show in the table one section of the credit report as 'debt collection' - the CRAs guidance says that all searches in table 1 are seen by lenders etc so it will definitely go against me (in fact I was turned down for credit last week and this seems to be a possible, or even likely reason since there isn't anything else negative on my file). If the CRA or ST don't remove I intend to complain to the ICO, I'm so annoyed that they can do this when the late payment didn;t have anything whatsoever to do with me! I will post any updates if I get anywhere.
Thanks
tho i will say the notice of correction is not available to read for other ppl viewing your report. Equifax and Experian have both told me that but they seem to have to say put a notice of correction on there.
Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.
Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.
An 'Outstanding Debt' search shows that a company has carried out a search in an attempt to locate a customer.
You will notice that there are two tables in the Previous Searches Section
Table 1: (Credit Searches and Outstanding Debt Searches): Any Searches appearing in this table are viewable by Lenders and the number of searches recorded can affect your Credit Score.
• Credit Searches remain on Report for 12 months but only affect your Credit History for the first 6 months.
• Outstanding Debt searches remain in your Report for 2 years and affect your Credit History for that length of time.
Table 2 (Other Searches): Any searches appearing in Table 2 are only viewable to you and therefore do not affect your Credit History.
The two types of searches that are viewable by others and therefore affect your Credit Score are Credit Searches and Outstanding Debt Searches.
You’ll find more information about credit report at: Equifax Online Help - Current Questions. If you have a question, you should find the answer in our FAQ section. If not, you can send us an online query, and attach your documents to it - no need to worry about them getting lost or delayed in the post.
I hope you find this useful. 27/04/2010 ((((INFO ONLY)))))))
Table 1: (Credit Searches and Outstanding Debt Searches) Outstanding Debt searches remain in your Report for 2 years and affect your Credit History for that length of time
I have unapproved the duplicate postings dangeroussam.
Will also move this thread into the credit reference forum where it may assist others.
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Debt Collection credit searches
searches, carried out by Severn Trent, recorded against my name at my previous address, where I had lived with a partner. The searches were carried out in 2009 after my partner and I had split up and I had left the address. I was in fact paying ST at my new address at the time (and have never made a late payment).
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Originally Posted by Maryn123
Re: Debt Collection credit searches
