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The Sub Prime Credit Thread - Part IV
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Zack, where did you find the Natwest online chat? I've been hunting for it but can't find it anywhere.We’ve had to remove your signature. Please check the Forum Rules if you’re unsure why it’s been removed and, if still unsure, email forumteam@moneysavingexpert.com0
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I guess it's only available during opening hours. Earlier it was on http://www.natwest.com/personal/credit-cards/g1/classic.ashx underneath apply nowZack, where did you find the Natwest online chat? I've been hunting for it but can't find it anywhere.
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I guess it's only available during opening hours. Earlier it was on http://www.natwest.com/personal/credit-cards/g1/classic.ashx underneath apply now
I'll look for it tomorrow, hopefully it'll be there.
I found an amazing 60 inch TV in Currys today, my hand was subconsciously reaching for my wallet. :smileyheaWe’ve had to remove your signature. Please check the Forum Rules if you’re unsure why it’s been removed and, if still unsure, email forumteam@moneysavingexpert.com0 -
Not sure if anybody can help but worth a try.
My credit score is
Callcredit : (523)
Equifax : (494)
Experian : (425) had unfair default on has since been removed thanks to FOS but has never gone back up.
I have a problem with my Experian report since the Default was removed none of my creditors seem to report to Experian so on the surface I seem to have no loans or credit cards so my score does not improve. I have applied for credit but it get declined because they search Experian so im catch 22, I need credit to improve my score but can't get it because I have no history.
Any ideas as to what I can do so somebody will report to Experian?Official DFW Nerd number 227
Proud to be dealing with my debts!!!!0 -
misscutiepie1984 wrote: »Not sure if anybody can help but worth a try.
My credit score is
Callcredit : (523)
Equifax : (494)
Experian : (425) had unfair default on has since been removed thanks to FOS but has never gone back up.
I have a problem with my Experian report since the Default was removed none of my creditors seem to report to Experian so on the surface I seem to have no loans or credit cards so my score does not improve. I have applied for credit but it get declined because they search Experian so im catch 22, I need credit to improve my score but can't get it because I have no history.
Any ideas as to what I can do so somebody will report to Experian?
Do you hold any credit cards at the moment? The majority of lenders report to Experian and Equifax. Take a look here: http://forums.moneysavingexpert.com/showthread.html?t=1033817 , there is a list of lenders and whom they search and report to.
You can't exactly ask a lender to report to a specific credit reference agency, they may very well be reporting to Experian but there could be a problem preventing the information being displayed. Your best bet is probably to contact Experian and see if they can investigate.
Hopefully someone will be along shortly to elaborate.We’ve had to remove your signature. Please check the Forum Rules if you’re unsure why it’s been removed and, if still unsure, email forumteam@moneysavingexpert.com0 -
Do you hold any credit cards at the moment? The majority of lenders report to Experian and Equifax. Take a look here: http://forums.moneysavingexpert.com/showthread.html?t=1033817 , there is a list of lenders and whom they search and report to.
You can't exactly ask a lender to report to a specific credit reference agency, they may very well be reporting to Experian but there could be a problem preventing the information being displayed. Your best bet is probably to contact Experian and see if they can investigate.
Hopefully someone will be along shortly to elaborate.
This problem has been ongoing for about a year now.
I have credit cards with capital one, natiowide, vanquis and barclays and I also bank with nationwide, natwest, alliance and leicester and abbey. Yet nothing shows up with experian.Official DFW Nerd number 227
Proud to be dealing with my debts!!!!0 -
misscutiepie1984 wrote: »This problem has been ongoing for about a year now.
I have credit cards with capital one, natiowide, vanquis and barclays and I also bank with nationwide, natwest, alliance and leicester and abbey. Yet nothing shows up with experian.
It could be an address issue. Have you checked your credit card statements have the exact same address that is listed on your credit report?
Are you on the electoral roll, if so, is it showing on your report?We’ve had to remove your signature. Please check the Forum Rules if you’re unsure why it’s been removed and, if still unsure, email forumteam@moneysavingexpert.com0 -
Misscutie - thats the same post in 3 threads - enough already!
http://forums.moneysavingexpert.com/showthread.html?p=28244079#post28244079
http://forums.moneysavingexpert.com/showthread.html?p=28245819#post28245819
http://forums.moneysavingexpert.com/showthread.html?p=28240803#post28240803
2010 - year of the troll
Niddy - Over & Out :wave:
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You cannot enforce a lender reports data - in some ways it is good cos it will not be included in any debt assessments but on the other hand means you don't have any credit. You could send an online message to the CRA asking them to chase the lender - new accounts can take a while to update, plus some only search/report data with certain CRA's - not necessarily both!
The secret is to apply to lenders that use equifax if that is where your history is - look for undergrounds thread - credit ref agencies, who searches who. That will help you.
Forget the scores the CRA's issue - they are useless and mean nothing - save your money. 2010 - year of the troll
Niddy - Over & Out :wave:
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It's so cold here today.We’ve had to remove your signature. Please check the Forum Rules if you’re unsure why it’s been removed and, if still unsure, email forumteam@moneysavingexpert.com0
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