Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
as a start to my claims, the first thing i have done is get my credit report from Experian and Equifax (is it any use asking Callcredit for one?).
Some of the info is incorrect as follows :
1. Fredrickson is down as Fredricksons
2. I have 2 defaults for the same account showing two different current balances.
3. Some of the debts are the wrong type, i.e. a credit card is down as a hire purchase agreement etc.
I know i can ask the CRA's to amend the info but they state in their docs to contact the DCA. Is there any use in me doing this and allowing them to correct their info or can i use this to my advantage?
Re: credit report has inaccuracies, what can i do?
Originally Posted by tifo
as a start to my claims, the first thing i have done is get my credit report from Experian and Equifax (is it any use asking Callcredit for one?).
Some of the info is incorrect as follows :
1. Fredrickson is down as Fredricksons
2. I have 2 defaults for the same account showing two different current balances.
3. Some of the debts are the wrong type, i.e. a credit card is down as a hire purchase agreement etc.
I know i can ask the CRA's to amend the info but they state in their docs to contact the DCA. Is there any use in me doing this and allowing them to correct their info or can i use this to my advantage?
thanks.
Contacting CRA's is a little hit and miss.. I had some incorrect info on my credit file. Somethings they automatically changed, some things they refered to other companies and then changed and other things they have refused to change. Once I have finished with Cabot... I might have a crack at a CRA, as I have documented proof from an original creditor that the info registered is incorrect. However as the account is now with Cabot, they have refused to amend my credit file
Remember if you find anything I say helpful, please click the scales
Re: credit report has inaccuracies, what can i do?
i can't even send Fredrickson my CCA!
I've posted it twice this month to the PO Box address on their letters and it gets lost. It's the only one that cannot be delivered. Royal Mail do not even send back to me, just say its lost. I've sent both by Recorded Delivery. Should i try their Data Registrar address or the Ltd Co address?
Issue No 2 above of 4 defaults for 1 account by 2 companies is quite a serious matter i think. I'm contacting the ICO and OFT, but also have a friend who is high up in the political ladder and will use his contacts, if he has any, within the OFT and Commons.
credit report has inaccuracies, what can i do?
. Is there any use in me doing this and allowing them to correct their info or can i use this to my advantage?
Reply With Quote
Originally Posted by tifo
