same name as my dad, incorrect information.

[kevin_g]

hi people.

 

i wonder if you can help me

 

There seems to be a linked address on my file attached to a bank (london scottsih bank)

 

its on there becuase me and my dad have the same names.

 

The only thing that make us different is the age and middle name.

 

How can i get this removed?

[dx100uk]

look on the cra website there is a link/info

 

dx

[kevin_g]

help people.

 

I spoke to the bank today who turned me down for an account. they looked into it and said that when they do a search with my middle inital the credit report is fine but if they do a search using my first name and surname only then its brings up my dads details.

 

they asked me to fax over a copy of my credit file. so i have done that.

 

i spoke with experian who told me they dont have the systems in place to be able to seperate us becuase we both have the same first name and surname, so i must tell ever person i apply for credit to include my middle inital.

 

this is really frustrating, i thought i had sorted this out but i havnt and its costing me a lot of money in time, phone calls, fax's etc.

 

help

[fredbassett]

Speak to Experian again - you should be able to Dissassociate yourself from your father. Under the rules of 'third party data' whoever is credit checking you must use your title, full forename, middle initial (if applicable) , surname and date of birth so that they are purely credit checking you (and anyone you are financially linked to).

[kevin_g]

Speak to Experian again - you should be able to Dissassociate yourself from your father. Under the rules of 'third party data' whoever is credit checking you must use your title, full forename, middle initial (if applicable) , surname and date of birth so that they are purely credit checking you (and anyone you are financially linked to).

 

Thank you fred, this is very usful info when applying for credit.