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2009dg

cleaning up my credit report

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DRO = 22/7/09 to 22/7/10

Default date = 22/7/09

Settlement date = 22/7/10

 

Creditors

 

Bank of Scotland

Barclaycard

Capital One

Lloyds TSB Bank Account

Lloyds TSB CC

Lloyds TSB Loan

Marbles

Nationwide Bank Account

 

Using Exquifax

 

  • Capital One

Defaulted July 09 (default date not down just marked on history)

Settled/Satisfied 26/9/09

 

  • Nationwide

Defaulted June 09 (same as above)

Not settled or satisfied

 

Using Experian

Again not all my debts are on it!

 

CAPITAL ONE £1700 (settled)

TSB LOAN £6000 (no default)

TSB CC £1800 (no default)

NATIONWIDE £300 (defaulted 22/07/2009)

 

I do however have Halifax Card Services 2 (defaulted 15/01/2010), Arrow Global Limited (defaulted 29/09/2009) and Aktiv Kapital (defaulted 12/04/2006).

 

----

Confusion on Experian one creditor is Arrow Global but on Callcredit it's MBNA. Who do MBNA own - Bank of Scotland (my card was WDCS charity)? Marbles is with Halifax.

 

I think the only creditors I have nothing on is TSB Bank acount and Barclaycard

 

Just looked at 'Bank' section of Callcredit and Arrow Global is on there with the same details as MBNA! MBNA has a satisfied date have they just sold it on?

 

Doing a search Marbles comes up as HFC but I don't have HFC on any report.

 

Creditors I have no clue about:

 

TSB Bank Account

Marbles = Halifax Card Services?

Bank of Scotland = MBNA on report

Barclaycard

 

I'm not sure where to go from here? Contact the DCA's and find out what debt they have?


[SIZE=1]PAYDAY LOANS: only QQ left, haven't paid for 2 months, lets wait & see what happens. [/SIZE]

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Just to throw a spanner in the works here, take a look at your Equifax report and see what is listed under Searches. Are there any Table 1 searches that shouldn't be there from DCA's?

If there are, it is easy to get them removed and get compensation.


:razz:ALWAYS REMEMBER, IF YOU GOT YOURSELF INTO YOUR SITUATION, YOU ARE MORE THAN CAPABLE OF GETTING YOURSELF OUT OF IT

WITHOUT THE HELP OF THE DCA's!!!!!!!!!!!

 

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This problem with CRA's is very serious the posting of searches in Table 1 of the report on an Equifax report can have horrendous repercussions on your your credit status, as Huggy's Boss says.

You can help by sending a complaint with all the paperwork to your own MP. I have produced a comprehensive report for mine and he is taking it up, but MP's can only deal with complaints from their own constituents so the more it is brought to the notice of Parliament the better if you need any help with this let me know.


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