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.
Hi all, wondering if you can help me. I am about to get my head out of the sand and get my Credit File from Experian. However, I know that in the past I have gone online and applied for credit and now know that this will leave a seached mark on my Credit File which makes creditors nervous as to why I would be searched so much.
These searches were made through my own stupidity and inpatience in agreeing for companies to seach, but can these searches be deleted in any way?
I think that previous searches on your credit file actually stay on there for 12 months. Experian will only delete the record of a search with the permission of the organisation that made it. It sucks i know!
Han x
If Wishes Were Horses...
Hannahbtw Vs Woolwich ~settled in full! £2248.87~8/6/07
Hannahbtw's OH Vs Natwest~ settled in full! £2155.35~5/7/07
'Which?' the consumer group was supposed to be pushing for a system where applications for credit were only supposed to be recorded if the credit was then taken out. I don't know if anything became of it.
This was the verdict of the Which? report which was actually made in Feb. 2004. I wouldn't be surprised if nothing has changed!
'If companies are to make responsible lending decisions, it's important that they all give full information to the CRAs. We'll be making this point in response to a recent government white paper on consumer credit. We're also calling for lenders that use risk-based pricing to make use of 'quotation' or 'enquiry' searches. This will mean you can shop around without worrying it will damage your credit rating.
We also think the Guide to Credit Scoring should be given the force of a code of conduct. This would mean all lenders would have to sign up to it, and give you full reasons if they reject you. In particular, we'd like lenders to tell you if it's a lack of credit information - rather than a poor credit record - that's the problem.'
There are a couple of mortgage lenders who now only leave a "soft" footprint which does not become a hard footprint untill a full application is made.
The soft print is only visible to you when you order your credit file - no other lender sees it when they search you.
I know that in certain states in the US this is the way all risk based pricing is done.
hi everybody
i checked my credit file after a long time and found there are numerous credit serches made by diffrent debt collectors.one of them even have a default entry as well.can any body advise me how to go about it?are debt collectors allowed to do credit serch and enter a default.thank you
I don't know if you can help on this one...I've just gone online to my new Experian credit report, & found that I have defaults registered against me from Hillesden Securities.
As it transpires they have purchased a debt & have not contacted me about it, although they have defaulted me on numerous occasions - last was on the 7th June.
How can I get at them for knowing about me, & then defaulting me without my knowledge?
Numerous Credit Searches on Credit File
Reply With Quote
