RBS credit card debt & wetcloths

[BRIGADIER2JCS]

nasty marker ! enlighten me

 

Gain gone away information is registered when an individual has changed

address without notifying existing creditors and is not favourably viewed

by prospective lenders, this is noted a lot by HP lenders, and Car Rental

companies check this to.

[Fulhamboy]

Hello Hazzinho:-)

[Fulhamboy]

I am up pooh creek for the next 6years, so a dodgy credit file is the least of my problems Brig

[BRIGADIER2JCS]

I am up pooh creek for the next 6years, so a dodgy credit file is the least of my problems Brig

 

Sounds like you'll get through it, good luck.

[Fulhamboy]

Default- end - birth what do these mean?

[BRIGADIER2JCS]

Default- end - birth what do these mean?

 

Without a bit more info I have no idea.

[BRIGADIER2JCS]

Default- end - birth what do these mean?

 

Without a bit more info -- No idea.

[Fulhamboy]

These are dates on my credit report

Berklycard

default

end

birth

[BRIGADIER2JCS]

Never seen it before,

default self explanatory

end 6 years up??

birth sold on new account??

 

Might be worth asking the CRA for

an explanation.

[asterraine]

I've looked at my credit reports with all three CRA's and the only one which looks accurate was Experian. The others all had things missing, particularly Call Credit and less so with Equifax, but still gaps. Experian was complete and i had to call them to check a couple of things and they were really helpful, Call Credit and Equifax were both useless, and they got quite abusive when i explained they had things missing compared to Experian.

 

The only problem with Experian is their on-line service is more expensive (Credit Expert), but seeing as the other two are incomplete i guess its still the cheapest option to see all my data.

[asterraine]

Noddle is free but there's too much data missing compared to Experian. also CHECK THE NODDLE SMALL PRINT!!!!!!!! it seems you're giving Call Credit permission to send your credit file to all sorts of organisations they work with. As they saying goes "there's no such thing as a free lunch"

[dx100uk]

checkmyfile is worth the £20 per quarter [as all 3 cost +£7 each pcm]

 

and it shows all the dif cra's in one place.

 

they respond to queries, and actually work for you in problems alerted to the other two

 

they seem to get results on disputes too

 

dx

[asterraine]

Checkmyfile is just Call Credit and Equifax. It DOESN'T contain Experian's data so there will still be gaps.

 

They're very clever about referring to Experian on their page because everyone know they have all the data, but if you look at the small print, they only have the lesser two CRA.

 

see below from their site......

Compare accounts held at two agencies

 

See a summary of your past and present financial commitments, such as credit cards, mortgages and mobile phone contracts, as shown on Callcredit and Equifax Credit Reports.

Dig deeper into any of your credit accounts

 

Click on any account to see really comprehensive details, as reported on your Callcredit and Equifax Credit Reports, enabling you to explore the balance, limit and repayment history.

[BRIGADIER2JCS]

The point being missed is that not all companies/lenders report

to all the agencies, nor are they required to so variations can

be expected.

[Fulhamboy]

The CCCS insist on Equifax, so who doyou go with ? I had a debt on noddle and it said it was satisfied, no longer a debt, go figure

[BRIGADIER2JCS]

The CCCS insist on Equifax, so who doyou go with ? I had a debt on noddle and it said it was satisfied, no longer a debt, go figure

I always say check all 3 main agencies, this just

proves another point that keeps cropping up the

CRAs DON NOT SHARE DATA"!"!

[Fulhamboy]

Checking equifax report, I owed £ 112 to a bank. On credit report it says the debt is settled, which it isn' t, unless I have a mysterious benefactor . Do I contact bank for comformation, what is the best way to proceed. I dont want them chasing me in the future

[gdec1]

Perhaps they stopped chasing you and the debt was written off, either way what is shown on your report has to be a good thing.

[Fulhamboy]

Hopefully, but I am worried it will appear again sometime in the future, do not want to approach the creditor, hello, do I owe you money still ?

[gdec1]

I spent all of yesterday trying to see where an old debt of mine had went to from RBS, dating back to 2005. I still have to get confirmation but it looks like it has been written off as it was given back to RBS from Rockwell in 2008. After this, there is no record where the account is. Hopefully you are in a similar position.

[Fulhamboy]

Youe debt may be SB' d, but I am reluctant to approach the creditor direct, imagine saying , hello my name is Mr xxxxx and I owe you money. I checked two out of three cr' s and it says satisfied. So do not know what is the next step

[sillygirl1]

I am a great believer in letting sleeping debts lie - you could accidentally restart the statute barred clock here - it sounds like it should drop off your report soon.

 

As long as it is settled you should not worry - if it is settled you can provide proof that the report says that so shut up and leave you alone.

 

Don't go round making trouble for yourself in this aspect.

 

The CRAs are no longer fit for purpose in my opinion as they are farming out OUR data, we should NOT have to pay one penny for them to provide us with this information, most of the time it is irrelevant anyway.

 

To put it into context, if every time a bank failed one of its customers it had a restriction on it for six years where it could not borrow above a certain amount, nor set up another legal entity company this recording process would go against it - however it does not.

 

There is neither transparency nor fairness in the CRA systems anymore.

[Fulhamboy]

I agree, you can see on this site how much space the cra' s are taking up with enquiries and disputes. the CAG will run out of memory soon!

[gdec1]

Youe debt may be SB' d, but I am reluctant to approach the creditor direct, imagine saying , hello my name is Mr xxxxx and I owe you money. I checked two out of three cr' s and it says satisfied. So do not know what is the next step

 

I am not sure if its statue barred because the last payment as far as know was made through euro debt in 2008. I thought it was a bit too good to be through but credit management have no recollection of the account and I have been advised it has more than likely been written off, since it was passed back by rockwell.

[BRIGADIER2JCS]

If any payment has been made and it matters

not who paid it or how it was paid the bebt

is not statute barred.