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Duplicates on credit check - normal?
LewieV
Posts: 11 Forumite
in Credit cards
Hello,
Thought I'd have a look at my credit situation via creditexpert.co.uk. I have an overdraft on my bank account which I never exceed and one credit card that is rarely used. My "net debt" if that's makes sense, all I have outstanding is £1000-ish (overdraft + credit card), but, on the creditexpert.co.uk site both of these accounts are down three times each, therefore it says my "net debt" is £6000+!
Is this normal? Why would it have happened and can it be rectified?
Cheers,
Lewis
Thought I'd have a look at my credit situation via creditexpert.co.uk. I have an overdraft on my bank account which I never exceed and one credit card that is rarely used. My "net debt" if that's makes sense, all I have outstanding is £1000-ish (overdraft + credit card), but, on the creditexpert.co.uk site both of these accounts are down three times each, therefore it says my "net debt" is £6000+!
Is this normal? Why would it have happened and can it be rectified?
Cheers,
Lewis
0
Comments
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It's not correct. Contact the bank and get this corrected.0
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It's not correct. Contact the bank and get this corrected.
And if the bank is no help, you can raise a query with the CRA itself who will liase with the bank.Got Halifax Classic to reduce my interest rate by 5% woohoo - 10/06/08 Thanks MSE!
Another 3% shaved off 10/12/08
ANOTHER 4 % June 09:beer:0 -
Thanks for the speedy reply.
Both my credit card and my overdraft bank account (and other bank accounts, ones without overdrafts) have been duplicated too - why would this have happened?
Cheers again,
L0 -
If all your accounts are duplicated/triplicated, then the problem lies with the CRA not the account providers.
Experian have a freephone number, so give them a call (during office hours if possible). Alternatively, if there's a secure messaging facility on your Experian account then use that instead.
Most of all, be sure to 'formalise' your complaint.0
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