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Removing information from Experian


BinB
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Hi, to you all,

This is my 1st post so here goes.

Some time ago I remortgaged to help the kids get a roof over there heads, up to this point my credit file was exemplary (there were only 2 CRA at the time) my

Remortgage went OK.

Some time later I applied for our credit files which I have done for the last 10 years and boy was I in for a shock Experian on the first page of my wife’s report in bold was a heading:

ALIAS USED PREVIOUS

This all came about from a question on the application form that we completed asking for her Maiden Name which she last used filling in our Marriage Licence in 1962

EXPERIAN used every combination of her maiden name and married name that they could make up ie: Miss, Ms, Mrs.They even addressed her file to Miss******* ********. And when I went through the Credit File with a fine tooth comb there were 10 mistakes, which were pointed out to them all to no avail. And many, many, many, letters later to Experian and the mortgage company we did not use (we had a choice of Two) to request them to remove this from the file they would still not remove it, so I wrote to the Commissioner and it took him 8 months for him to get this removed.

During my effort to get this removed I came across Experian’s America web page and found out that this was a big problem over there, any Tom, Dick, and Harry in business who subscribe to the CRA’S just got access to all your Credit File’s but this don’t happen over there now as the law has been changed to stop this, before you apply for credit you write to all the CRA and provide them with a ACCESS PASSWORD, and on all applications forms for credit there is a space for wait for it a PASSWORD which you the punter fills in to which gives the company you chose the access to your file no password no access, SIMPLE it has also stopped a lot of identity fraud in America, and if you know that you will not be looking for any credit in the next 12 months inform the CRA and get your file suspended there will be input but no access until you authorise it, complete control of your file.

I wrote to the BBC Working Lunch programme who interviewed some one from Experian to ask why not do this here she replied as there was no legislation in this country requiring them to do this so they would not change the system.

P.S. Our credit files from Equifax contained no such Alias.

BinB

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