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Incorrect Halifax Mortgage Total on Clearscore


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Before anyone tells me. Yes! I am aware that clearscore doesn't have their own credit file, but rely on equifax.

 

a couple of months ago I reported to clearscore that my mortgage account total (with Halifax) was incorrect.

It's showing as 130k when actually it should be 205k.

(I had made some lump sum payments on along the way to reduce the balance from 205k to around 97k (present balance).

As it is now, it's showing the balance as having gone down from 130k to 97k.

 

Clearscore sent this to Equifax.

A case was logged.

I did see a message saying 'there is a disputed entry on this credit file' on the clearscore account for a while.

 

After two months I received an email from equifax saying 'As per further check, we can confirm that your account from Halifax ending in xxxxxxx is no longer showing on your credit report. The next time you log into your Clearscore account you can view this amendment on your updated report....'

 

'I hope this answers your query....'

 

I've checked the clearscore report and the Halifax mortgage account is still showing the total as 129k, with Balance of 97k.

So, it still hasn't been resolved.

No idea what they are on about when they say account 'is no longer showing'.

 

Anyone have any success resolving an error with these clowns?

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  • dx100uk changed the title to Incorrect Halifax Mortgage Total on Clearscore

well in a way it's doing you a favour...

 

but write to halifax...

these agencies have very little sense in what they do and simply follow their clients instructions.

haliprats can amend it directly and in an instant.

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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sounds like a good plan.

 

How so?

 

Is going from 130k to 97k more favourable than 205k to 97k?

Perhaps because 130k is lower than 205k? (It means I've borrowed less)

 

I had a subscription to the equifax online credit reports last year back in Oct/Nov. So, have saved copies of the reports from then.

 

Just checked November report.

It has the balance correctly.

Nowhere does it show the 'Total' (borrowed amount).

 

Wonder if this is something equifax has introduced recently?

or maybe 'total' isn't shown on Equifax reports but appears only on Clearscore?

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