Credit Reference Agencies

[powerful_rogue]

Any chance of having a section dedicated to these lovely people - Equifax, Experian and My Credit.

[nordic]

I'll second that. Why is it that my partner and I are both civil servants on reasonable wages, both over 10 years in each job, joint mortgage for last 6 years, same address for last 7 years, both on electoral register. She has no debts etc. I had at one point 6 credit cards (all but two closed now). The only really bad thing on my experian report is an account with all '6's that is now closed. Can I get any credit at all? Can I heck as like! Even for a £800 camera.

There must be people out there with experience of sorting this out?

[nathal]

experian, equifax and callcredit all report different accounts. maybe experian credit file looks good but othe credit file has unpaid accounts, this could be reason for refusal. also could there be a CIFAS warning at address or are you financially linked to any people with bad credit or that has acifas warning. Ideally check all 3 credit reports, any inaccuracies, notify credit reference agency. This disputed item has to be verified within 30 days, if not deleted from credit file by law.(loophole)

[barracad]

@nathal:

 

The letters in post #3 have little or no relevance to UK Credit Reference Agencies or Creditors.

[nathal]

posted wrong set of letters

sorry, meant for debt advise site

[monkey_uk]

@nathal - are those letters not subject to copyright?

[chelsea]

Just read some of the threads in this section regarding the Credit Reference Agencies posted in July. Someone said that the letters related to the US, does anyone have any templates for UK residents?

 

Thanks

[Guest katzcafe]

Hi, I read somewhere last week, the only thing CRAs are allowed to show on ones file are CCjs, if this is correct is it possible to get the CRA to aliminate all other bits and peices, like defaults and searches? And .... what about previous addresses and "associated with"s?

Any thoughts please?

[meagain]

Hi, I read somewhere last week, the only thing CRAs are allowed to show on ones file are CCjs

 

No, the only thing CRAs have a legal right to hold. There are various provisions that allow them to hold other things, too, as long as they're accurate.

[Number6]

Does anyone have an email address for Equifax please?

 

Pete

[Guest Zooman]

Test Post

[meagain]

Test Post

 

An error occured while trying to ignore this.

[clumch]

Please create a dedicated section for Credit Reference Agencies.

 

Experian, Equifax, CallCredit etc.

 

They have too much power and are not regulated properly.

[caro]

I've raised this suggestion with the team for consideration. Good idea IMO.

[andrew1]

Might be a good idea to remove the letters above too Caro..not a lot of use to anyone.

[caro]

Hm thanks Andrew.

[MilkTrayMan]

Whilst it MAY be useful to have a dedicated location to discuss CRA's + peeps probs with them, methinks that it would very soon get swamped by Threads concerned with Default Removal.

 

Although this in itself isn't necessarily a bad thing, it must be remembered that there are ALREADY several Default Removal related Forums on CAG

 

Legalities

 

Data Protection + Default Issues

 

...PLUS god knows where in the Debt Forums??...

 

Perhaps if a Forum WAS created, entitled 'Credit Reference Agencies' + placed in the Debt Forums, another one should be created specifically for Default Removal + the current one on the Bank Forums moved into it??...:idea:

 

...A helpful Site Team Member could perhaps trawl through the WHOLE of CAG + move other Default Removal Threads into it too??...

 

 

...

Edited July 16, 2008 by MilkTrayMan
Smilies don't like me!...eek

[andrew1]

Whilst it MAY be useful to have a dedicated location to discuss CRA's + peeps probs with them, methinks that it would very soon get swamped by Threads concerned with Default Removal.

 

Although this in itself isn't necessarily a bad thing, it must be remembered that there are ALREADY several Default Removal related Forums on CAG

 

Legalities

 

Data Protection + Default Issues

 

...PLUS god knows where in the Debt Forums??...

 

Perhaps if a Forum WAS created, entitled 'Credit Reference Agencies' + placed in the Debt Forums, another one should be created specifically for Default Removal + the current one on the Bank Forums moved into it??...:idea:

 

...A helpful Site Team Member could perhaps trawl through the WHOLE of CAG + move other Default Removal Threads into it too??...

 

 

...

 

 

Yeah, why not - they did it with Cabot Sub Forum & the Cabot Fan Club

[MilkTrayMan]

Is anyone taking heed of #17??...

 

There are still shed loads of Default Issue Threads in the Legalities Forum, stickies included...