Table 1: (Credit Searches and Outstanding Debt Searches)

[dangeroussam]

An 'Outstanding Debt' search shows that a company has carried out a search in an attempt to locate a customer.

 

You will notice that there are two tables in the Previous Searches Section

 

Table 1: (Credit Searches and Outstanding Debt Searches): Any Searches appearing in this table are viewable by Lenders and the number of searches recorded can affect your Credit Score.

 

• Credit Searches remain on Report for 12 months but only affect your Credit History for the first 6 months.

 

• Outstanding Debt searches remain in your Report for 2 years and affect your Credit History for that length of time.

 

Table 2 (Other Searches): Any searches appearing in Table 2 are only viewable to you and therefore do not affect your Credit History.

 

The two types of searches that are viewable by others and therefore affect your Credit Score are Credit Searches and Outstanding Debt Searches.

You’ll find more information about credit report at: Equifax Online Help - Current Questions. If you have a question, you should find the answer in our FAQ section. If not, you can send us an online query, and attach your documents to it - no need to worry about them getting lost or delayed in the post.

 

I hope you find this useful. 27/04/2010 INFO ONLY

[SOD'EM]

Hope you can help out with this query then. A debt from about 8 years ago was settled. The debt was regarding Natwest. However, the default still remains on the credit file. After approaching Natwest to sort it out, they just said they no longer have any records of that account as it was closed once settled. We still had the debit card and cheque book but they couldn't help us. How on earth are we supposed to have that default removed so we can move forward credit wise?

 

Hope you can advise.

[cerberusalert]

Get in touch with the credit reference agencies and demand it's removal, it should have automatically dropped off after six years.

[SOD'EM]

Get in touch with the credit reference agencies and demand it's removal, it should have automatically dropped off after six years.

 

 

 

That's what I thought. Are they obliged to remove it after 6 years?

 

It actually says "satisfied", but any credit searches just seem to show the big red eight, which of course is a default.

 

I know of Experian, can you tell me the name of the other 2 companies please?

 

Thanks

[cerberusalert]

Are they obliged to remove it after 6 years

In the majority of cases yes.

 

I know of experian, can you tell me the name of the other 2 companies please?

 

Equifax Plc

Credit File Advice Centre

PO Box 1140

Bradford

BD1 5US

Free Credit Report and Credit Check Services - Equifax

Call Credit Plc

Consumer Services Team

PO Box 491

Leeds

LS3 1WZ

0870 060 1414

Callcredit | Check your credit report direct from a UK credit reference agency

Experian Ltd

Customer Support Centre

PO Box 8000

Nottingham

NG80 7WF

0844 481 8000

Credit Check, Credit Score and Free Credit Report from Experian UK

[dangeroussam]

Try the 30 day free report ,remember to end before 30 days are up, then re-apply -end re-apply-ECT this is the back door to there system to get free reports for ? amount of years////use the online dispute for any dispute eg outstanding debt searches eg debt tracing on your file// I have 14 out 15 removed from my file because they can prove info or don't respond to the 21 days limit set by cra and it's a free service:cool:.

[dangeroussam]

eg

The footprints relate to lawful trace activity. However happy for the footprints to be removed. remove all data from all credit reference agency.==============================================

 

 

We have not received a response to your query and have now removed this information. We have created a new report for you so you can view this change.

 

The note previously added to your credit report, stating that your information was in dispute has now been removed. You’ll find more information about your credit report at: Equifax Online Help - Current Questions. If you have a question, you should find the answer in our FAQ section. If not, you can send us an online query, and attach your documents to it - no need to worry about them getting lost or delayed in the post.

 

I hope you find this useful. If there’s anything else we can do for you, please let us know.

 

Kind regards

 

Equifax Customer Services======================================AFTER LIAISING WITH OUR TRACE DEPARTMENT WE WOULD REQUEST THAT ALL SEARCHES REGISTERED BY capquest ARE REMOVED FROM CUSTOMERS CREDIT FILE WITH IMMEDIATE EFFECT AS THESE WERE ENTERED IN ERROR.==================================================

I acknowledge your comments regarding this dispute, I appreciate your frustration and concerns in trying to get this matter resolved. However this search is under dispute and the company have not yet responded to us, there is nothing more we can do.

 

You’ll find more information about your credit report at: Equifax Online Help - Current Questions. If you have a question, you should find the answer in our FAQ section. If not, you can send us an online query, and attach your documents to it - no need to worry about them getting lost or delayed in the post.

 

I hope you find this useful. If there’s anything else we can do for you, please let us know.

 

Kind regards

 

Equifax Customer Services===========================================

We have not received a response to your query and have now removed this information. We have created a new report for you so you can view this change.

 

The note previously added to your credit report, stating that your information was in dispute has now been removed.

 

You’ll find more information about your credit report at: Equifax Online Help - Current Questions. If you have a question, you should find the answer in our FAQ section. If not, you can send us an online query, and attach your documents to it - no need to worry about them getting lost or delayed in the post.

 

I hope you find this useful. If there’s anything else we can do for you, please let us know.

 

Kind regards==============================================================================The company has agreed to remove this information and we can confirm this will not show on your credit report. We have created a new report for you so you can view this change.

 

The note previously added, stating that your information was in dispute has now been removed

 

THIS IS FOR EG PURPOSE ONLY

Edited May 28, 2010 by dangeroussam

[dangeroussam]

BAD NEWS

We have an outstanding account as far as we are aware for the consumer, please advise the consumer to contact Ca~~~ financial directly to discuss the matter DON'T ANSWER TO THIS EG 6 YEAR RESET TO CLOCK.

 

as far as we are aware/ dca don't do home work/ YOU CAN.

Edited May 28, 2010 by dangeroussam

[SOD'EM]

Are you sure you can use the 30 free trial more than once?

[dangeroussam]

FREE Equifax Credit Report™Cancelled --/05/10

FREE Equifax Credit Report™Cancelled --/05/10

FREE Equifax Credit Report™Cancelled --/04/10

FREE Equifax Credit Report™Cancelled --/04/10

FREE Equifax Credit Report™Cancelled --/04/10

FREE Equifax Credit Report™Cancelled --/03/10

Equifax Credit Watch™ Gold Cancelled --/02/10

 

It's the back door to a free report, it's a free 30 days trial thats the key to this loop hole##########################.

 

Dam they closed the back door now

 

Our records indicate you have already taken advantage of a 30-day free trial subscription to Equifax Credit Watch™ Gold. You may continue your order for Equifax Credit Watch™ Gold; however, you will not receive a 30 day trial at this time. If you feel you have received this message in error, please contact our Customer Care department at Equifax Customer Care or phone 0844 335 0550 (Calls will be charged at 5p per min) between 9am to 5pm, Monday to Friday

Edited June 13, 2010 by dangeroussam

[MARTIN3030]

Moved here.

[MARTIN3030]

Dangeroussam-have you any connections to Equifax ??????

[dangeroussam]

Dangeroussam-have you any connections to Equifax ??????

 

Service user:lol:

[MARTIN3030]

Ah I see.

A service user covers a multitude of possibilities.

[Brigadier 1JCS]

Help please I have just had a copy of my Equifax report it show 8 searches over

5months by Mackenzie hall some time twice in one day an 3 by Lowell strangely the dates all match up to times when I have contacted these cretins for members of my family to help them sort out problems.

I have no liability to either company at all.

I have an Experian report no such entries appear.

Equifax list them 09/0609 Mac H kilmarnok (Bat) 2on this date as an outstanding debt searched undertaken in connection with credit application?

the others are listed as debt collection or outstanding debt. or unclassified.

It seems to me these are vexatious/malicious in view of the circumstances.

Also there is an entry by 1st Credit the only dealings I have with the is for a third party , anyn advice would be much appreciated have written to both CRA but no reply so far.

[F1fan]

I'm having issues with crapquest leaving numerous searches for outstanding debt under table one of my credit report.

 

Having contacted the DCA they have now added a bloody notice of correction dispute to my file, which is even worse as far as I can tell?

 

Any ideas how one should go about drafting a letter to equifax to demand these are removed? I have no ideals with crapquest and certainly haven't applied for credit with them, I mean **** knows why they feel the need to do 5 searches in less than one month?

[BRIGADIER2JCS]

Help please I have just posted a new thread about these searches and am

trying to gather a folio to submit to the regulators and my MP.

Thread is in debt collection industry, all info welcome.