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  1. On Equifax in green it says i have been on the electoral roll for 13 years and it is green, but then next to it in red it says currently registered on the electoral roll no. What does that mean?
  2. MacKenzie Hall have invaded my Equifax file with a DCA search. Does anyone know if this is still allowed? I have no debts that are not Statute Barred by at least 8 years, and have built up an 'Excellent' credit score. No contact has been made from MH at this time, but expect something sinister to drop through the letterbox any day. Any advice would be welcome.
  3. Hi i have a bit of a problem where on my equifax credit file there is another person appearing on my file under the section called "Attributable data" It says the following If there is information in the Attributable Data section, it indicates that the data could belong to you but cannot be definitely identified as yours. A lender can see this data, but should obtain proof that it does belong to you before it is used in a lending decision now i have no idea who this person is. There are many accounts that have defaulted. What i wanted to know does this affect my score and
  4. An investigation was underway on Friday night after the personal data of up to 44 million British consumers was feared stolen by hackers in a massive cyber attack. The information commissioner said it was investigating how the hack on Equifax, a US credit rating firm, affected UK customers, many of whom will be unaware their data is held by the company. Equifax and its UK subsidiary companies state on their websites that they represent British clients including BT, Capital One and British Gas. There are fears that customers of these companies could now be affected. BT said that
  5. An investigation was underway on Friday night after the personal data of up to 44 million British consumers was feared stolen by hackers in a massive cyber attack. The information commissioner said it was investigating how the hack on Equifax, a US credit rating firm, affected UK customers, many of whom will be unaware their data is held by the company. Equifax and its UK subsidiary companies state on their websites that they represent British clients including BT, Capital One and British Gas. There are fears that customers of these companies could now be affected. BT said that
  6. Hello, First off - many thanks in anticipation for any advice that anyone will take the time to give me. It will be much appreciated. Sorry if I sound a bit wound up but none of this is my doing - my energy provider messed up my gas bills and I've had my credit rating destroyed as a result. I've been with my Gas and Electricity energy provider since February 2015 and they have been a nightmare. Electricity bills are paid up to date. Gas account as far as I'm concerned is up to date. The provider disagrees - they say I owe £290 - including a late payment penalty fe
  7. Hi Guys, Just checking something out and was looking for clarification. On my Equifax report, it states that an overdraft I had with HBOS. First late date payment was July 2011, then subsequent months late and then shows as defaulted in January 2012. I'm assuming as it shows, this means no payment since June 2011. The debt appears to have then been sold to Arrow Global as they have listed the default on Equifax in January 2012. I have never once communicated with Arrow Global on this. I obviously haven't made any payments to HBOS regarding this. Today I receiv
  8. I noticed that Clearscore didn't show my RBS accounts (my main one's) or my FD accounts. All they were showing was an account i opened at NatWest as a backup in case i didn't like the road RBS took. They sent me to Equifax who asked me for dates. I explained i joined RBS when it was Williams & Glynne - mid 1970's? And FD when it first opened. they asked exactly the same question again (maybe my reply had vanished). i gave them the same reply. Now they have replied saying they have written to NatWest for details of my RBS accounts. Question: 1) Just how stupid
  9. Hi all When Vodafone 'ported over' my account to their new system (sept 15) they appear to have screwed it up, royally. I have 3 phones on one account. (which seem to have been separated) I have had nothing but misery and stress ever since, I have lost count of the number of times they have restricted access, leaving us all or one after another cut off, in one case for weeks. most spectacularly when I was 100 miles away from home in a hospital with my Father who had been rushed in with a heart problem, No way to call anyone brilliant! I have spent hours both
  10. Good afternoon folks, I have been looking around for advice on the following as i am trying to clean up my credit files folowing completion of an IVA in August 2016. In summary, IVA started in June 2010, settled in August 2016. One of the creditors has finally updated the credit file at Equifax as below :- You can see that there is no default date on this entry, which should be the start date for the IVA. Is this entry going to stay on there for another 6 years from the settlement date, which should also be the date for te end of the IVA? If i have the default da
  11. I had car finance with VWFS, in 2011 I wanted to sell the car and settle the finance, I asked for a settlement figure which they provided. I paid the settlement figure and obtained a letter stating they had no interest in the vehicle. On Equifax (via clearscore) it shows very oddly that I was a month behind from June 2011 until mid 2012, I settled with them the day I sold the vehicle. On Noddle it shows that there was a balance of 13 grand still during that period. I have raised disputes with both agencies. If VWFS fail to respond to the agencies d
  12. Recently (in the last two months, June 2016 ) Equifax started recording the payment states of utility companies including British Gas, I have both gas and electric with them. They added a two BG accounts for Gas and Electric going back to August 2014 in June 2016. From August - October 2014, british gas recorded three detrimental months on my file which have had a detrimental impact on my score. I've requested information during this period as I do no recall ever agreeing to pay monthly during this time, I didn't start a direct debit until 2015. They have stated they have no da
  13. Please does anyone have any advice on this? The facts as they have been reported to me: Mr X leaves the property in 2008. Mrs X remains at the property and there is a verbal agreement that she will transfer the utility bills to her name. Mr X still legally owns the property until it is repossesed by the bank in 2010. In 2015 Mr X obtains a copy of his Equifax credit report and discovers that United Utilities have registered a default dated March 2015. Unitied Utilities will not remove the default as they say Mr X did not notify them he had moved/was no longer
  14. Hello, First post so here goes. I am about to challenge the validity of a default notice issued to me by OUSBA dated 4 Jul 2014 (which was a Friday). The date for remedy on the DN was the 18th July 2014. Assuming they used first class post then this does not give me the clear 14 days as required. The correct date should have been the 22 July. Am I correct? I have also received a letter stating on the 25th July 2014, that the agreement was terminated in accordance with CCA. So, my challenge is, is the DN valid? Equifax are also displaying incorrect info. They have the date of
  15. I'm looking to take an injunction out on Equifax, and need other witnesses to make my case stronger. Some example of my case. HSBC confirmed by letter, I did NOT have any account with HSBC. I asked equifax 100 times to remove the info and they refused. Opened case with Ombudsman, and now they suppress the information temporally. Got Santander account which was settled, have proof, but Equifax refuse to mark as settled. Contacted Santender with the proof, and they won't update the file. Still says I owe the money, but I don't (it's settled). Looking to make a 2nd complaint
  16. Hi I have today registered with the new FREE Credit Reference Agency "ClearScore (Equifax)" and have some problems with it I have a few debts (okay a lot) with companies but the report shows that there are no open accounts apart from my current Bank Accounts Under the "Closed" accounts there are all of the debts that I owe. After looking at them all I noted that nearly all of then have not reported since October 2013 and the the two Lowlife ones since 2014. This does not tally with Noddle where every month it is reported the same balances, same defaults but under the current mon
  17. Hi all, i need a bit of help - brief back ground: Unfortunately – back in 2004 I was heavily reliant on credit cards and the inevitable happened, meaning that I had to stop paying the cards due to the loss of my job and other circumstances. Needless to say that since then I never applied for any type of credit – except when I took my mortgage, and hey presto all the cards company surfaced via – so called debt collecting agencies. they write asking for exuberant amounts – yet I would like to challenge them and get this debt written off since now it’s almost 6 y
  18. https://www.clearscore.com/?gclid=CI7ZqNXNzscCFUbkwgodrcsM7A Just seen this advertised Seems it is connected some way to carphonewarehouse What is the catch?? Comments people??
  19. Hi All, I was wondering if someone could help me please as I am a bit confused as to Settled accounts and dates they are removed. I have managed to settle all my debts finally and I am trying to be realistic when I will be able to apply for a mortgage so trying to work out dates etc. There are 8 showing as Settled and 3 credit accounts as up to date and have't had any issues. Could you tell me how long a settled account stays on my file for is it 6 years? If so when is the date from? Is it Default date? of Satisfied Date? or any other I haven't thought of. Also if
  20. Hi Guys, I could do with a bit of advice after an illness and arranging payment with various companies my credit report took a kicking as expected however I have now caught up with all but 2 HSBC and Cabot I still have an arrangement to pay. I must add that these 2 where defaulted on some time ago, whilst shall we say discussing payment arrangements. The issue I have is that even though I am paying that theses 2 accounts and have been for over 14 months they are still showing as defaults and are killing my credit score I have contacted Cabo
  21. Dear friends, I have checked my Equifax and Callcredit report’s in the last few days as I know I have some pretty bad looking marks relating to a Barclaycard I had a good number of years ago, I have learnt from the error of my past and have had a clean credit file for the past 5 or so years. The Barclaycard was not managed well by me (I moved address in 2008 after graduating, got a new job and got married all simultaneously and did not inform Barclaycard during this busy period until 2010), although I never defaulted just had a large number of late payments,
  22. After 6 years my Bankruptcy has finally been removed from my credit file. A default for one of the loans included also gone. However I have an old RBS bank account and loan account that for some reason weren't defaulted but were included in the BR that are still showing on my Equifax credit report as partially settled. I would like to get these removed. What are the chances?
  23. 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
  24. Hi All Wondering if I could get some advice from people who have possibly be successful with a query with Tesco affecting their credit file? The long and short of it - plus from what I can remember it was a while ago! I had a mobile phone contract with Tesco in 2012 and cancelled during the 30 day period, I returned the phone to store (where I had taken the phone out) as it was freezing a lot and I wasn't getting on with it. I had to pay the first month upfront so when I returned it the guy in the store the guy helped me transfer numbers across and said 'that's it - nothing mor
  25. Evening everybody - Happy new year I do not understand default dates very much but am under the belief an account will be defaulted around 3-6 months after last payment? I have just received a response from equifax about a dispute I raised because I believed the default date was wrong. The default on my equifax record from Creation finance is dated 11/2010 - the last payment to them (as confirmed) by their response is Jan 09. They have said that the information recorded is correct and that the 'charge off date' was 11/10. Is the charge off date the same as the de
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