How the hell do I get experian to update my file????

milliemonster

Right I am mad Mad MAD!!!!!

I am trying desperately to pay stuff off and we have paid off £12k of debt since last June which I am soooo proud of

We moved house in March last year and informed the council etc.

Most of our credit cards are 18% and I am trying to get a 0% deal to BT but keep getting declined, I got a paper copy of my credit report in November from Experian that didn't show anything untoward except, I wasn't on the electoral roll, I phoned up the council who said I was and that the records would be updated on 1st December.

So last week I think, right, I'll apply for a virgin card, but I think I have been declined as I haven't heard anything.

I have just gone onto credit expert to view my file online and not I am STILL not on the electoral roll with them and they have me down as living at my old address still. Everything else looks perfect, green 0's for everything, I am using 18% of my available credit apparently, but strangely it says there are no records of any searches on my file for the last 12 months (although my paper copy said different?)

I have tried phoning Experian but it just says they are too busy, so I have emailed them, but what else can I do?

I am so mad that I have a perfect looking report, yet I am constantly being declined for credit for what I can only think of is not being on the electoral roll which I am!!!!!!

what can I do?

OurTommy

milliemonster wrote: »

Right I am mad Mad MAD!!!!!

I am trying desperately to pay stuff off and we have paid off £12k of debt since last June which I am soooo proud of

We moved house in March last year and informed the council etc.

Most of our credit cards are 18% and I am trying to get a 0% deal to BT but keep getting declined, I got a paper copy of my credit report in November from Experian that didn't show anything untoward except, I wasn't on the electoral roll, I phoned up the council who said I was and that the records would be updated on 1st December.

So last week I think, right, I'll apply for a virgin card, but I think I have been declined as I haven't heard anything.

I have just gone onto credit expert to view my file online and not I am STILL not on the electoral roll with them and they have me down as living at my old address still. Everything else looks perfect, green 0's for everything, I am using 18% of my available credit apparently, but strangely it says there are no records of any searches on my file for the last 12 months (although my paper copy said different?)

I have tried phoning Experian but it just says they are too busy, so I have emailed them, but what else can I do?

I am so mad that I have a perfect looking report, yet I am constantly being declined for credit for what I can only think of is not being on the electoral roll which I am!!!!!!

what can I do?

Hi Milliemonster

Not sure if this is of any help but in the article about credit reports on this site it suggests a few other reasons why you may have been refused.
1) the companies may be checking using another credit reference agency other than experian (i think the other two are called 'Callcredit and Equifax'?) Have you asked them for their records as well as they may have incorrect info?
2) Martins article also says that some companies will refuse you even if you have an impecible credit history as it is more to do with them making profit than your ability to repay.
I'm just trying to sort out my own report at the moment but i found Martins article really helpful, I'd recommend having a quick read of it to see if there is anything of interest in there.

Good luck sorting it all out

Take it easy
OurTommy:cool:

lilian1977

Hi

I have been having this issue with Experian for ages, I am definitely on the electoral roll (and show up as such with Equifax) but don't appear with Experian. I have been back and forth with them but they can't sort it out so I have cancelled my membership and now use Equifax instead.

They did say to me at one point that "I can confirm that you do show as being registered, and
lenders will see this when they do a credit search on you."

However I didn't think this was good enough so still cancelled.

Hope that's helpful.