sorry Leeds BS Credit Card MBNA should read Experian

I have over the last few months estabilshed that the following companies search (or dont in some cases) the CRA's listed below: Bank Of Scotland Experian & Call Credit Bank of Ireland Experian Leeds Building Society (mortgage) Equifax Leeds BS Credit Card (MBNA Equifax) Creation / Sygma Bank Equifax Santander Experian Halifax Experian Barclaycard Experian & Call Credit Ikano Experian Nationwide Experian Interestingly I got Credit from the following companies and NO credit check has been registered either as a full search or a 'soft' search Moto Novo Finance ( 2 x car credit agreements agreed and paid out Pay 4 later (part of Standard trust Bank ? ) 2 x furniture agreements paid out etc... Hope this may help

Old satisfied Defaults are from 2008 and 2010 so have an adverse effect on credit both show on Call Vredit and Experian. But Equiax has never shown these defaults on my report

Hello All, Some information that might be helpful. My Equifax repotr (score 450) is clean as a whistle athough my Experian (338) & Call Credit (560) has 2 old satisfied defaults on it. So looking for finance and selecting the correct lender without being stung in high Interest charges or having loads of unneccesary credit searches the following info may be of help. 95% FTB mortgage approved with the Leeds Building society (Equifax) 5 year fixed @ 5.6% (direct Application) 2 x car loans @ 5% flat with Moto Novo Finance (Carlyle) they claim to search only equifax both were approved immediatley but no searches have yet to appear on any of the CRA reports.... do they credit check? Not really if the Equifax report I have updated every day this week is anything to go by. Both agreements signed for and cars collected........ Hopefully this info may be of assistance to fellow Caggers loooking for good credit sources

SP have so far refused to remove the default as they are insisting it was registered correctly. JD williams are the ones who removed them. SP have made me pay the FULL amounts outstanding and marked as satisfied but are so far refusing to budge. One thing I am now trying with them the default notice was for £534 they said I only owed £414 nothing was paid to them from default date to payment date (£414 now Paid in full) but my credit file said I only owed £117, this is before they update it to settled on 28th Nov. The only thing I think I may get out of them is the default amount to be reduced to 414 from £534 as sub £500 defaults registered are better than over £500 defaults once satisfied. I cant seem to get SP to show any leniency on this I have explained I did not remove my supply from them it was done without my knowledge and I never saw the default notices as the post was hidden from me by my EX. If anyone has had any joy with SP let me know Thanks

RESULT......JD williams today agreed to remove all defaults / account information from my credit file. "due to the uncertainty of how the accounts were opened, lack of credit agreements and as a gesture of goodwill" Hard work but worth it in the end!!!

OK thanks not the news I wanted but appreciated, I will keep plugging away at JD williams and if I get any Joy I will update the thread

So if they sold these debts on and they are satisfied what is the issue with JD williams removing them? It could buy me a couple of weeks to get a mortgage application in before the new 'owner' registers a satisfied default if they could be bothered I couldnt see why they would as they are satisfied. The one they deleted last month has not reappeeared on any of the 3 agencies reports??

Thanks for the reply I have requested CCA from JD williams. It is worth pointing out that last month they deleted an Unpaid default from my records due to 'selling on the debt' I have asked them if these were sold on and if they can delete these in the same way I am yet to recieve a reply. Thanks

Hello I have 2 x Satisfied defaults on my credit file registered 2010 settled 2012 both are marked as satisfied. They have the wrong date of birth on them( just one day out). They were accounts taken out in my name by my ex wife. I do not want to go down the fraud route but the accounts were not opened by me have incorrect information. After i got divorced i noticed all the debt I had been left in due to my ex hiding bills and not paying stuff etc.. . I have asked the company JD Williams to remove these defaults and explained the situation they will not remove them. These are the last 2 items of adverse i need to remove before I apply for a mortgage I have now gone down the route of if they are my defaults where is the credit agreement and I have sent the necessary letter requesting copies of the original agreements. If as I suspect they cannot provide these documents can I ask them to remove the defaults? without a credit agreement how can there be a default. Also worth noting I settled the defaults earlier this year thinking I was doing the right thing. Any advice? Thanks