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Loan agreement that does not appear on Equifax or Experian


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Hi,

 

I am currently coming to an end of a 9 month timely paid loan. It is currently not appearing on either of the aforementioned credit reference agencies reports. I defaulted on a credit account around 3 years ago (mitigating circumstances) and have been slowly trying to rebuild my credit rating back up. Obviously, the fact that the account does not appear on either of these agencies reports will mean their scoring system will not take into account a flawlessly paid account...which is not helping my cause.

 

Is there a reason it would not be registered with either of these agencies? (is it by chance registered with the one I have not checked)

Can you prompt them to request information concerning this account?

Is it legal for the company to not share the information about this account?

 

Thanks in advance

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Hi, There are many companies that

do not report on the CRAs surprisingly

and I know of some who report for

3-6 months if all is well the they remove

the entry, but if there is a problem then

they report.

I doubt that there is much to be done

in your case apart from asking the loan

company why they are not reporting.

Check Call Credits Noddle it's free for

always.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hi, There are many companies that

do not report on the CRAs surprisingly

and I know of some who report for

3-6 months if all is well the they remove

the entry, but if there is a problem then

they report.

I doubt that there is much to be done

in your case apart from asking the loan

company why they are not reporting.

Check Call Credits Noddle it's free for

always.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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hello richard

The loan companies using callcredit the third credit references. Callcredit offer you to have a chance to view your credit file. http://www.callcredit.co.uk/consumer-solutions/your-credit-report

Iaintw is a registered customer services official/profit Protection staff/supermarket worker and who deals with customers

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Check with your loan

provider about their

policy on the CRAs,

this could be an oversight

but as you are attempting

credit building it as affecting

the process.

Please be aware though it

takes a minimum of three

years of total credit management

no late/payments no large

number (best 1-2 credit apps in 3 years)

Searches on credit apps will have an

adverse impact.

The improvement in the mythical

3 figure score will not rise rapidly.

 

Brig.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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