What can I have removed from my credit report?

frivolous_fay

Hello,

I just managed to get an Experian credit report. It's mostly correct but I have a couple of questions about things that might be possible to remove. Can anyone advise on the following please?

- Mint did two searches when I applied - one when they had my address details wrong. Can I have one removed?
- I have closed several credit cards and store cards recently. Some are showing as settled, some as balance £0... one even shows a small balance still. Will I be able to have closed accounts removed?
- I have several versions of my address listed, depending on the various random ways credit companies choose to interpret my pretty straightforward address: 'Flat 6 Langham House' Is this a problem, and should I remove the incorrect ones?

Thank you in advance...

maforduk

You can get a search removed by contacting MINT and asking them to get it removed.

The settled account stay on there for 6 years no matter what so no, you can't get them removed i'm affraid.

Not sure on the name i'm affraid.

Hope I helped.

Dazza.mk_2

If the closed accounts are showing as balance £0 it may be that they have not properly been closed by the card issuer - (depends on how recently you closed them as obviously they only update the Cred Ref agencies on a periodic basis).

Make sure you keep any details confirming the closure of the accounts and check these on the next time you get a Cred Ref report

frivolous_fay

Thanks all.

I think part of the problem is my old Virgin card... I got into a nasty spiral of paying it off then getting hit by another few pounds or pence interest, so I finally overpaid slightly and ended up about 3p in credit. I then closed the account, as I couldn't be bothered to chase the 3p and wasn't sure if they'd even have a facility to return it.

How are credit companies supposed to know you've closed an account? Does 'settled' tell them it's closed? I want them to know that I no longer have access to the £2300-odd credit limit that Barclaycard, say, gave me... isn't it all about total available credit?

lisyloo

Does 'settled' tell them it's closed?

Yes

isn't it all about total available credit?

It's certainly a factor yes. Settled accounts won't count as they are not available credit.

The_Boss

Definitely contest the extra search with Experian - Halifax did two identical searches for a mortgage on mine and Experian removed one straight away without contacting them.

The other closed accounts will show up as settled eventually as Experian only update once a month.

YorkshireBoy

The_Boss wrote:

...Experian only update once a month.

I thought that as well until I signed up for their CreditExpert 30-day free trial. My file seems to indicate that Experian actually update the files fortnightly - and always on a Sunday.

The_Boss

YorkshireBoy wrote:

I thought that as well until I signed up for their CreditExpert 30-day free trial. My file seems to indicate that Experian actually update the files fortnightly - and always on a Sunday.

Lucky you. They only ever update mine on the 5th of each month. Wish they would update mine more often.