done brig

thankyou very much.... i want to donate but bit confused how to do it... could you let know... how can i donate to this website

Hi, I am still waiting for u r response! """"when I went to HSBCicon to open A/c in last month, They gave Current A/c with 100 pounds overdrafticon. so I thought may be my credit rating is good that's why they gave 100 pounds Overdaraft. Therefore, I haven't checked my credit files with any credit ref agency so I dont know the current status.. Could you please let me know, "Would Lowell come to know if I check with Exprian (credit Agency) now". and please tell me what are important things I need take care while checking my credit files on Experian. For more understanding about the situation I am pasting the Lowell's letter information below Letter from Lowell stating that " we're contacting you about an account that we have purchased from Barclaysicon which was opened on 2002. barclays have sold the a/c to us as there is an outstanding balance which they have been unable to recover. we have used the services of a credit reference agency and they have provided you address to us. therefore we would like to confirm the information we hold is correct and up to date. plz call us straight away." I got 2 letters with same date and same info as mentioned above""""". Please help me.... Once again thanks a lot mate!

Hi Thank you very much for prompt reply! when I went to HSBC to open A/c in last month, They gave Current A/c with 100 pounds Overdraft. so I thought may be my credit rating is good that's why they gave 100 pounds Overdaraft. Therefore, I haven't checked my credit files with any credit ref agency so I dont know the current status.. Could you please let me know, "Would Lowell come to know if I check with Exprian (credit Agency) now". and please tell me what are important things I need take care while checking my credit files on Experian. For more understanding about the situation I am pasting the Lowell's letter information below Letter from Lowell stating that " we're contacting you about an account that we have purchased from Barclays which was opened on 2002. barclays have sold the a/c to us as there is an outstanding balance which they have been unable to recover. we have used the services of a credit reference agency and they have provided you address to us. therefore we would like to confirm the information we hold is correct and up to date. plz call us straight away." I got 2 letters with same date and same info as mentioned above. Please help me.... Once again thanks a lot mate!

Hi, thanks a lot for providing useful info, as you suggested earlier, I have opened new account in hsbc (got OD of 100 pounds) and registered my name with electoral, however i didnt check my file on credit reference agencies. i thought everything going fine as my last default date was on dec 2007 and i can start build credit rating But now I have received letter from company named: Lowell..stating that Barclay bank have sold my account to them and they got my address my credit ref agency... asking me to confirm the information they hold is correct and up to date.... ... will they make affect my credit rating...if ignore them...im totally confused 1. do you want me to contact them ?? 2. Do you want me ignore it could you please please tell me what I should do to stop these letters and more importantly to save my file on credit reference companies (like Experian) thanks in adavance

hi, thank you very much for your help..i will check my credit files ASAP with Experian on there website... just wondering.. do i need to check my files on all three credit check companies or one is enough?...and one more thing do i need to give my past six years address details to Experian????...please suggest me

Hi, Thanks for your prompt response!!!! That means my accounts should have been removed from credit reference files by now because (as i mentioned earlier) i paid last payments in may 2006 for all lenders except my mobile that i paid upto dec 2007 and i didn't made contact or agreement with lenders after those dates . Am i right?? Can i check my account in Experian and other two credit agencies to know current situation, or will it create any problem if i contact them now.....please guide me what to do ... how to start to build the credit history now without any affect of my previous bad credit history ... i had bank account with halifax, so is it possible to open account with them now or you want me to open accounts with other banks please guide me with step by step procedure to start build the credit. Thank in Advance.

hi there, thanks for providing good information. Im facing similar problem. i have paid my last payments in may 2006 for all lenders except my mobile that i paid upto dec 2007 after that i couldnt able to paid. still few chasing letters are coming to my previous address but from debt collecting agencies. so, im just wondering...1...is my bed credit rating still on my credit rating....2..how to find out my current situation.... 3.. most important one...in order to find out current situation, if i contact Experian and other two credit agencies and if my past history is still on their records then would it be for next 6 years!!! plz clearing my above three doubts!! Thanks in advance.