Jump to content


Removal of Applications from Experian Credit File?


thegoodgirl
 Share

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5520 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi Y'all.

I have just received my credit report and wondered if anyone could give me some advice.

 

My husband an I were shopping around for the best deal on a loan for our car and unbeknown to us these our applications all show up on our credit reports even though we have not proceeded and taken up the credit. Is there anyway that we can remove these from the file?

 

I have since read that when looking for a loan you should ask for a quote not an application eek! If only we knew....

Link to post
Share on other sites

Re: Unauthorised credit enquiry

 

Dear Sir/Madam

 

I would like to bring to your kind notice the contents of the latest credit report that I have received from the credit reference agencies.

 

The credit reflects a credit enquiry from your company which I did not approve. I believe that legally you are not entitled to enquire on any debt amount without my authorization. I request you to delete this enquiry from my credit report with immediate effect as it is causing a hindrance in my acquiring a loan and other credit benefits.

 

I have used recorded mail to send you this letter so I may ensure that you receive it and send me a prompt response. Please forward me a written document stating the removal of this unauthorised enquiry.

 

In other cases, kindly forward me a document containing the proof of the enquiry mentioned by you.

 

Thanking you in earnest,

 

name

try that letter to the company that carried out the search

Link to post
Share on other sites

Not the first time this has happened but I do know that catflap has all searches bar two removed now.

Where the searches all done by a broker or did you go to several dealers and have the searches done yourself?

Catflaps removed by phonecalls to CRA's to inform them of situation and register notice of correction on files. Call to broker concerned followed by letter explaining Consumer Credit License guidelines on searches.

 

misuse of personal data? who cares?

 

If you did them all yourself with different garages I doubt you could get these removed but if it was one broker you may have a chance.

Its ok that we are now told to ask for quotations but I havent found any lenders who are set up for this yet.

Link to post
Share on other sites

de association from the 'lenders'

???

 

or from my husband?!

:???:

 

You send a letter stating that you wish to disassociate yourself from your husbands accounts and credit data - however you cannot do this if there are any jointly-applied-for accounts, as you are both jointly and severely liable in Law.

I'm often a sarcastic SOB and speak my mind (and I don't do PC at all), but I have a laugh as I go. I won't be intimidated, and I don't take prisoners... so live with it, or go get yourself a humour implant :p

 

Copy of Law book from Amazon…£19.95, Refund Request stamp...32p, LBA stamp...also 32p, Court fees...£750.00,

The look on the bank's barrister's face, when they lost the '£25k Mother-of-all unfair charges' cases...(plus his £8k+ of costs)... Priceless!

 

The legal bit: These are my opinions and own view of legislation and process. I accept no liability whatsoever for any outcome as a result of anyone invoking any or all of the advice given - clarify your own personal stuation with an insured legal professional.

Saying that, I've used these methods against many of these corporate crooks:evil: and won hands down!:D

Link to post
Share on other sites

You send a letter stating that you wish to disassociate yourself from your husbands accounts and credit data - however you cannot do this if there are any jointly-applied-for accounts, as you are both jointly and severely liable in Law.

 

Hi Surlybonds,

Sorry I am confused! Out of the 10 loan applications we made, we actually only entered into one contract. I assume therefore that we cannot diassociate ourselves from each other as we have a current agreement together, however, is it still possible to remove the other applications?

Link to post
Share on other sites

searches can be removed regardless to any joint accounts

-----------------------------------------------

Mortgage Express charges- settled in full after issuing claim

 

------------------------------------------------

To view the FAQ'S click here: http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

To view the PRELIM letter click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

To view the Letter Before Action click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

To find Registered Address:

http://www.esd.informationcommissioner.gov.uk/esd/search.asp

 

 

If my advise helps click here http://www.consumeractiongroup.co.uk/forum/reputation.php?p=366404

Link to post
Share on other sites

  • 1 month later...
You send a letter stating that you wish to disassociate yourself from your husbands accounts and credit data - however you cannot do this if there are any jointly-applied-for accounts, as you are both jointly and severely liable in Law.

 

My wife and I are only associated jointly on one account. Does that mean we can de associate on others bar this?

Link to post
Share on other sites

  • 1 month later...
 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...