CRA's and previous addresses

[247orbital]

After recently searching the CRA's reports I have found I am linked to several addresses I have never lived at. Since 1982 I have only lived at two UK adresses. I have spent large amounts of time abroad so there will be gaps in my address records.

 

How long do previous address remain on my Credit File?

 

How do I go about removing the incorrect information from my Credit File as after reading through these forums it seems CRA are very reluctant to remove any data from there systems.

 

If facing an uphill struggle with all three major CRA's with incorrect data etc.

 

Any help would be appreciated.

[MilkTrayMan]

Hi 247orbital,

 

Here is a link to a similar question from the Experian Website FAQ's...

 

Experian - Linked Addresses Explained.

 

...It explains the remedies which it requires U to take, which I would assume also apply to the other CRAs.

 

 

[247orbital]

from what I understand its down to the companies who registered the addresses as linked to remove them NOT the CRA's. So as far as I understand its a waste of time as we all know it is almost impossible to get anything removed from you credit file regardless if the information is worng or not without going to court.

 

From my current understanding after spending the last month researching CRA's, defaults, CCJ's etc the only way something is 100% removed from your file is after the 6 year rule. As we know the system is open to massive abuse by the CRA's and DCA's safe in the knowledge that court action is our (the public) only route to any form of justice.

 

You have to ask yourself when a CC judge accepts that by just posting a CCJ (normal post not recorded or special delivery) is sufficent and evidence that it has been received and accepted ???? Where is the hope when such lax methods and rules are allowed to exist, without having any regard for the plantiff in such a matter which can have such dire consequences to ones credit etc.

 

The system stinks.

Edited November 11, 2009 by 247orbital

[MilkTrayMan]

Having a Default removed from your CR is slightly different to setting the record straight with regards any potential criminal activity associated with being linked to addresses where U know for sure U're not connected to 247orbital.

[247orbital]

your information MilkTrayMan is about as much use as chocolate tea pot to be honest. I want guidance from members who have first hand experience with my type of problems, not links to the very companies who have abused my personal information.

[247orbital]

Is it still possible to receive credit reports from the big three Equifax, Call Credit and Experian without having to use a bank card etc? I have a friend who needs his credit reports but does not have a bank card.

 

Address please of who to send the postal orders cheques to?

 

Thanks in advance.

[phil_nottingham]

yep postal order or a cheque through the post:)

just look on the respective web sites, the addresses are well hidden i fink

[247orbital]

Call Credit Ltd

One Park Lane

Leeds

West Yorks

LS3 1EP

 

Experian

Landmark House

Experian Way

NG2 Business Park

Nottingham

NG80 1ZZ

 

Equifax Credit File Advice Centre

PO Box 1140

Bradford

BD1 5US

 

If you want something done do it yourself! You'd think these addresses would be in a sticky somewhere.

[247orbital]

Can I remove my permission for the three main credit reference agencies to proccess my data?

 

If it is possible do I have the option of re-instating it at my discretion?

 

I ask this as I do not feel the need for three seperate CRA's. I would prefer my information is held by one (of my choosing) or none at all.

[MVM]

NO In a word

 

Public data like CCJ's, Voters Roll they purchase etc.

 

But for data that deals with your loans, credit cards, mortgage, Hp etc etc is data actually owned by the lender who choose to pass it to whichever agency they like, this is built into the conditions of any agreement you sign. The CRA's then keep the data for a period which is no longer than neccasery i.e 6 years after you settle etc.

 

I hope this is helpful?

[247orbital]

I was under the impression that I could remove myself from the automatic proccess of recording my data?

[alternative-answer]

I was under the impression that I could remove myself from the automatic proccess of recording my data?

 

Yes you can, there is a template on here somewhere, don't ask me where though!

[alternative-answer]

I have just phoned British Gas and challenged the call centre operative as why they are reporting to Experian about my account, he said that I gave them permission when I started using their service and that I had signed to agree. I told him I had not signed anything and should produce a contract with both parties signatures on it, to which he said you agreed verbally. I told him I had agreed to take a gas service which is not a credit account and therefore not regulated under the CCA 1974, I told him that this practise should cease forthwith. He didn't have a clue apart from parroting the standard stuff. He went away for an extended period and came back to say he will pass my query onto their data team who will contact me in due course. Watch this space!!

[hacksaw]

You may find the following template helpful:

 

http://www.consumerforums.com/resources/templates-library/48-bank-templates/234-s10-data-protection-act-notice-if-you-have-been-defaulted-for-unlawful-penalties-

 

However I agree with MVM that the CRA's are unlikely to accept your request.

[247orbital]

If its proved that there has been an incorrect entry onto my credit file I am under the impression that I can be awarded compensation of £1000 per incorrect entry is this correct?

[babybear39]

Yes, I believe so

[DonkeyB]

Have a look here.

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/171709-kpohraror-woolwich-building-society.html

[247orbital]

Who's actual responsibility is it when it comes to listing my data on a credit file?

 

I was under the impression it was the CRA's duty to check information is correct before listing and such it is them who I contact should I have any reason to believe any information is wrong.

 

I have written to two CRA's and as yet have not even received a reply.

[Jamesx81x]

It is down to the creditor who you have your accounts with.

 

CRA's are supposed to ask the creditor to substantiate the data they provide but more often just take their word for it.

 

If you beleive it to be wrong you will have to contact the original creditor asking them to correct it.

 

Can be a long haul though so good luck.

[PGH7447]

Who's actual responsibility is it when it comes to listing my data on a credit file? - the cra only lists what is provided by the creditor

 

I was under the impression it was the CRA's duty to check information is correct before listing and such it is them who I contact should I have any reason to believe any information is wrong. - it supposedly is but do they??? - and as they are funded by the creditors do they care

 

I have written to two CRA's and as yet have not even received a reply. - now ask for thier complaints procedure, but to be honest you are wasting time with these firms, they dont care and they dont give a damn

 

PGH

[247orbital]

Well the things I know are incorrect and have supplied the two CRA's with the proof so if they fail to act after 28 days I'll send a letter before action then take them to court and seek compensation.

[Jamesx81x]

Probably the best way but easier said than done.

 

Although if found to be incorrect the courts would order the removal of the incorrect data but as for compensation you would have to show what loss or damage you have incurred as a result of the data been on your file.

[247orbital]

Looking through my Equifax credit report I have found two listings for one debt.

 

I have a default for a Natwest account from 2005 the debt becomes SB in August of this year (I have the statements to prove this). However the listing on my CR shows a default from Natwest and a default from Lowell Portfolio 1 Ltd. The default dates are different by 4 months and the default balances are different.

It is 100% the same account as the start dates and current balances are identical. However the Natwest default dates is 4 months later than the Lowell date? Both listings drop of my credit file next year.

 

Any thoughts?

[Jamesx81x]

It looks like Lowell have added the default also when they have gained the account.

 

You need to find out if Natwest have legally sold them the debt this will determine who has the right to place the default.

 

Only one default per account is allowed but it depends who currently owns the debt as i said.

[247orbital]

I'm under the impression if the debt has been sold to Lowell they can only use the original Natwest default date?