Experian problem

milliemonster

I have posted this on the DFW forum but thought I might get more advice here.

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?

cifpower

Ask your council for a letter proving you are on the ER and then send this to Experian so they can update your file.

Robert_Sterling_3

Have you asked to be taken off the roll at your earlier address.

sutton111

Robert_Sterling wrote: »

Have you asked to be taken off the roll at your earlier address.

Have you and Clio had a little argument? :rotfl:

Moggles_2

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.

Congratulations on turning things round.
:beer:

Last week, I applied 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. I am STILL not on the electoral roll with them and they have me down as living at my old address still.

You cannot reapply to Virgin for another 6 months, so if your application is turned down, I would appeal the decision on these grounds, enclosing a council doc to show you're on the electoral roll

Robert_Sterling_3

sutton111 wrote: »

Have you and Clio had a little argument? :rotfl:

He did not like me telling Yorkshireman ( For whom I have a very high regard ) that he was wrong.
Yorkshire man had said something like:-

The annual rate is 19.9%
He then got a Monthly Rate
He then converted this to an annual rate of 18.3%.
I was not to keen on this method and said it was wrong.

Clio told me Wot was Wot.

I thanked him for his post

He apologised in a follow up post

But he did not edit out the adverse comment.

I am well disposed toward Clio and even more so toward Yorkshireman.

So the signature line is for amusement only.