Co-Op says I have adverse credit but my Experian report is clear!

[reborn71]

Having waited six long years for a default to fall off my credit report, and having recently fought off Rockwell's attempt to collect a statue barred debt I applied for a normal current account with the Co-op.

 

After being credit checked in the branch, I was accepted not only for a current account, but was also offered a credit card.

 

The next day I called them to see what would happen to my existing account, when I was told my application had been cancelled and a letter was on its' way. I finally received it yesterday and it said the refusal was due to adverse information held on Experian. I immediately requested a copy of my credit report from credit expert and checked my file at all the addresses I have lived at over the last five years. There is nothing bad on the report at all - no defaults, my payment history shows satisfactory on all of my credit accounts.

 

I am going to send Co-op a copy of my report to prove, as per Experian, I have a 'good' credit history. Will this force them to tell me what they can see at their end on my credit report?

Edited February 25, 2010 by reborn71

[phil_nottingham]

Well you can hope.....

[247orbital]

Check the other CRA's Equifax and Callcredit as they may have used more than one CRA. How long ago should the data have been removed? You may have just jumped the gun a little early.

[reborn71]

Hi 247,

 

You are probably right. The defaults came off at the begining of Feb, and I just got excited as finally my report was clear