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Unsure about item on credit report
Minerva69
Posts: 797 Forumite
in Credit cards
I am wanting to apply for a new 0% balance transfer credit card, and decided to send for my credit files to check before I applied.
I have never checked my credit file before and received my Experian one this morning. It has a Mint card listed from 1996-2001, I have never had a Mint card but did used to have an RBS Advanta card - is this the same company?
The report for this says the account was settled in May 2001, but it also says "the number of status 3+ is 2", this means that on 2 occasions I was 3 months late with a payment. I know for a fact that I have NEVER been this late with any of my payments on any debts I have had.
Is it too late to do anything about this now? I don't think I can prove that I was never 3 months late with my payments. Will it affect any application for a credit card I make now?
Thanks!
I have never checked my credit file before and received my Experian one this morning. It has a Mint card listed from 1996-2001, I have never had a Mint card but did used to have an RBS Advanta card - is this the same company?
The report for this says the account was settled in May 2001, but it also says "the number of status 3+ is 2", this means that on 2 occasions I was 3 months late with a payment. I know for a fact that I have NEVER been this late with any of my payments on any debts I have had.
Is it too late to do anything about this now? I don't think I can prove that I was never 3 months late with my payments. Will it affect any application for a credit card I make now?
Thanks!
0
Comments
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rbs advanta became mint to the best of my knowledge.
John0 -
Usually unless your credit history requires a major correction, its not a good idea to ask for it to be corrected as that would also count against you.0
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I think Avanta was changed to mint as well, How did you get your credit report? was it by post for £2...was it easy to get? cheers.0
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moneyfool, don't waste £2. Go to https://www.creditexpert.co.uk and sign on for the 30 free trial. Pay attention how to dergister before the 30 days are up.
John0 -
I signed up and have now got my report. I emailed them to cancel the report. Is this the right way to do it? Or should I have done something else?Egg @ 3.9% until 1/7/06 = £1798
MBNA @ 2.9% until 1/9/06 = £5314
A & L @ 0.9% until 1/9/06 = £4743
MBNA @ 0.9% until 1/9/06 = £8768
Debt free aim March 08 if not before :dance:
No smoking day Friday 31st March using hypnotherapy paid for by OH's work!!!
Smoking? Did I smoke?0
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