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Re: Missing Data on All CRAs


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Hi

 

I'm stunned tonight...

 

. I have had a ccj for A couple years and paying it off slowly,

 

I have just checked my credit file on experion and then on the trust online site and it's gone! Vanished!

 

I've had no notice from the creditor, nothing!

 

Can anyone explain!

 

Again sorry but I can't understand it!

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I am surprised if it is missing from trustonline, because they do keep the information for 6 years.

 

I am not sure how you would find out why this has happened ?

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Hi sorry to hijack here but I'm stunned tonight.... I have had a ccj for A couple years and paying it off slowly, I have just checked my credit file on experion and then on the trust online site and it's gone! Vanished! I've had no notice from the creditor, nothing! Can anyone explain!

Again sorry to hijack but I can't understand it!

 

 

 

 

Who is the creditor please? There have been issues with a couple of companies recently regarding improper recording of data.

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bet its welcome finance?

 

you have ofcourse got the address right?

 

and all you previous addresses are showing on your credit file?

 

dx

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Ha Dx! No its not Welcome for a change!!

 

It's a solicitors which I had to use but because I had so much financial trouble during a divorce,

 

I couldn't even pay them so they took me to court and got a charging order,

it was only for £1200 and I am slowly paying a tenner a month

and also there's no chance they would ever be able to exercise the charge

due to other factors involved so maybe they think ts not worth even chasing?

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Also I checked the trust online! Now,I did check equifax back in jan this year and it was there and also my ex wife as a financial connection now sat night on credit expert both have disappeared!

Who is the claimant?

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It is a solicitors, I used them for a divorce and my ex took me for loads and couldn't afford the bill.

I have just looked on 'mycreditfile' website and the CCJ is on there with the other two CRAs but not on experian, or the trust site. Who do I go by? If the CCJ isn't on the trust site does that mean its gone? And the two CRAs haven't updated recently?

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It is a solicitors, I used them for a divorce and my ex took me for loads and couldn't afford the bill.

I have just looked on 'mycreditfile' website and the CCJ is on there with the other two CRAs but not on experian, or the trust site. Who do I go by? If the CCJ isn't on the trust site does that mean its gone? And the two CRAs haven't updated recently?

Hi you need to check the date that the CCJ was handed down, they are removed from the CRAs after six years from the date of the judgement.

It most likely in relation to the CRAs that the sols did not report to all three. You also should be aware the "minor" agencies like My Credit/Check my file/Noddle etc., us 2nd hand data and are not always up t date.

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Hi Brig,

The CCJ still has almost 2years to run, I used check my file to see what it said as I thought it strange Experian didn't show it. But why doesn't it show on the trust file? Isn't that the one place you can be certain it's correct?

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Hi Brig,

The CCJ still has almost 2years to run, I used check my file to see what it said as I thought it strange Experian didn't show it. But why doesn't it show on the trust file? Isn't that the one place you can be certain it's correct?

Indeed so I would expect TOL to have the data, do you have the Court Claim Number, the court that handled the claim? If so I would be contacting the Court Manager to find out if any action has been taken in regard to the judgement.

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