Don't shout at me!!

skintchick

Will it say which storecard?? That's what I want to know, really.

System

skintchick wrote:

Will it say which storecard?? That's what I want to know, really.

In a word, No!

It will just list the Lender's name, Date the A/c started, Current Balance, Credit Limit or Date the A/c was Settled.

BTW, another Ikano Card was the old Allders Card.

Best of luck sorting it out.

Bennifred

YorkshireBoy wrote:

I've played around with the sample reports online, but to be honest they didn't look very user friendly to me.

I sent for my £2 statutory reports which gave me all the information I needed to know.

Another poster has given you a link to Experian. Here's the link to the Equifax £2 report...

https://www.econsumer.equifax.co.uk/consumer/uk/sitepage.ehtml?forward=gb_elearning_credit14

You can order online, pay by debit card and the report only takes 4 days to arrive.

Says it's £9.95, not £2 :eek: - or am I looking at the wrong thing?

Iona_Penny

Bennifred they 'hide' their £2 report to a little box at the bottom of the right-hand corner (I know this as I had to ask for help myself when trying to order it) I think this is to encourage the more expensive option.

Problem was that after going through the whole process it said it wasn't available to order on-line so I had to phone. Experian was a much easier site to negotiate.

skintchick

bham-dave wrote:

In a word, No!

It will just list the Lender's name, Date the A/c started, Current Balance, Credit Limit or Date the A/c was Settled.

BTW, another Ikano Card was the old Allders Card.

Best of luck sorting it out.

Ah - I had an Allders card, that'll be it then. Think will be easy to sort, I don't owe anything on any of them so it's just writing a letter to cancel and posting it off. Thanks for everyone's help.

YorkshireBoy

skintchick wrote:

Will it say which storecard?? That's what I want to know, really.

The £2 Equifax report is lacking in lender detail, but the £2 Experian report has a section at the end of the report entitled "Useful Addresses".

This gives the full postal address of all the organisations who are listed in the body of your report. Use https://www.saynoto0870.com to find the relevant freephone numbers.

southernscouser

skintchick wrote:

Ah - I had an Allders card, that'll be it then. Think will be easy to sort, I don't owe anything on any of them so it's just writing a letter to cancel and posting it off. Thanks for everyone's help.

If you want my advice I would phone them to make sure they get cancelled and ask them to send you a letter of confirmation.

When I checked my credit report 3 cards were still on there that I had cancelled. The reason they weren't settled was because the companys owed me a total of 14p! Could well of affected applications coz it looked like there was an extra £10k of credit!

When you have cancelled all the ones need doing also consider reducing the limits of the ones you want to keep. Also in about 6-8 weeks time order another file just to make sure all the ones you requested are marked "settled"!

Lifesaver

rprinter wrote:

Ikano = Ikea I think

Yes, is it IKEA!

System

southernscouser wrote:

If you want my advice I would phone them to make sure they get cancelled and ask them to send you a letter of confirmation.

When I checked my credit report 3 cards were still on there that I had cancelled. The reason they weren't settled was because the companys owed me a total of 14p! Could well of affected applications coz it looked like there was an extra £10k of credit!

When you have cancelled all the ones need doing also consider reducing the limits of the ones you want to keep. Also in about 6-8 weeks time order another file just to make sure all the ones you requested are marked "settled"!

Just to add to that, for a/c's already showing as "Settled" on your Credit File, make sure the Settlement Date itself is correct.

I've had ones in the past where the Credit File showed a settlement date months or years later than the date I know the a/c was actually settled. This obviously meant it would stay on the file for alot longer than necessary.

Thankfully I'd kept the last statement for the closed a/c - and noted on it the date the a/c was officially closed - and could then check this to my credit file. (Won't be doing that for a while though with my debts!)

I was able to write to the Lender concerned, they agreed they'd made a mistake and changed it.

skintchick

They are all absolutely years old! But all advice is great, thanks, especially about rechecking.

Thanks again everyone!