credit file experian

[theshuffler]

Hi to one and all .

 

Just got hold of my credit file online ,

 

I believe there is an incorrect entry on it , which will fall off in 3 months anyway.

 

The entry relates to lyods tsb credit / store card .

 

I never had any dealings with lyods and have never held a store card.

 

Im a tad confused though with some of the information .

 

It states the credit limit history £4,000 (04/06) £3000 (10/04) £2000 (04/04) now im assuming that the numbers inside the brackets are dates?

04/06 relating to April 06? Is this a correct assumption?

 

If so the account defaulted 13/3/06 two or 3 weeks before the limit was raised.from 3 to 4 k .

My financial troubles started in 04 so there is no way i was still paying anyone in 2006.

 

Also anyone explain what the question marks are for on the status which reads 8 8 in red followed by 9 green question marks.

 

Does one of these marks cover Jan to November of this year?

Like i say I dont believe the debt is mine due to defaulting in 06

and it will fall off 13/3/12

just wondering if my details have been used.

 

the balance sits at £4,410 DCAs ever mentioning that amount. Another thing I have just noticed is the default balance is as I stated 4,410 but in the balance it reads under the red 8s 4,411 twice then £0 under the question marks , someone has paid a quid somewhere and it def wasnt me

Edited December 8, 2011 by theshuffler

[dx100uk]

urm.... could this have been taken out by a flat mate or something?

 

you could sar lloyds

to find out the complete history

 

dx

[theshuffler]

I have never had a flat mate , just me and the Mrs . I just wonder was it a credit card backed by lloyds just under a different name ie aquacard or something . It still should of been off the radar anyway due to financial troubles from 04 . Im thinking maybe a nice DCA has paid a pound of the balance in order to keep the file open . Its not an unknown tactic I believe.

[BRIGADIER2JCS]

The £1 payment may have been a CCA request.

Do as DX suggests get the SAR done ASAP

[theshuffler]

Yeah I will do the request but I know I never sent a cca request to anyone.

[kurvaface]

Have you rung experian? Perhaps they can shed more light on this and in cases of disputes they can contact the organisation that marked your file to query the entry, although you might not want to do this just yet.

[theshuffler]

Im imaging the debt should be s barred around now even though the default is March 06 surely the DN wouldnt of been issued after 1 months missed payments. They law is last payment or acknowledgment/not DN date ?

[dx100uk]

correct

 

dx

[BRIGADIER2JCS]

Many companies will default after 1 missed paymentin particular

''loans'' taken when paying insurances by monthly installments,

the easy way to look stat barred dates is the way the CRAs show

it is the date of the last delinquent payment (that is the date when the payment was

due and no further payment was made for 6 years (5 in Scotland).

Only a written acknowledgment can also restart the clock.

[theshuffler]

I can only see the last 12 months on this so no way of checking missed payments. Is there a way to go back further? Ps it says credit/store card

[BRIGADIER2JCS]

Does it show ''date started'' '' defaulted on'' and ''date last delinquent''?

[theshuffler]

I cant see any dates at all , except default date 13/3/06 below that is account status 2 red 8s and 10 green circles with question marks in them , last updated nov 11 below that is another line that says balance 4,411 twice then 10 @ £0 . I must say the zero balance is confusing as on the top it says balance 4,411

Edited December 22, 2011 by theshuffler
update

[theshuffler]

Maybe you can see this http://s900.photobucket.com/albums/ac205/shuffler_album/?action=view¤t=file.jpg