A little help

pompeyl

hi there just registered, because i have a query

unfortunatley at the beggining of this year february i was 17 and used to take out lots of credit cards and loans to pay for my car .. which i have now payed off fully .... i have also closed all my accounts so i no longer have credit ... however last week i was 18 ... and i tryed to apply for credit with my real DOB .. and was rejected because the DOB was differant ..... how can i change the DOB on my credit repport so that i can start a fresh ?

a few points id like to make before anyone else does

i know this was wrong but atleast i payed it off
and i didnt think about the consequences , but i did get a decent car and a nice flat so the end justified the means ....

what im really after is a quick fix to avoid 1 getting into trouble .. and 2 avoid loosing my excellent credit score ??


any help appreciated

thanks guys

liam

Simon_Preston

What you have done is commit fraud. I don't think there is a quick fix for that.

al4x

was gonna say, isnt this highly illegal?

id be mighty worried about what may happen now!

jonesMUFCforever

Sorry this is highly unlikely to have happened in real life.

TROLL ALERT EVERYBODY!!!!!!!!!!!!!!!!!

pompeyl

jonesMUFCforever wrote: »

Sorry this is highly unlikely to have happened in real life.

TROLL ALERT EVERYBODY!!!!!!!!!!!!!!!!!

whats a troll ? ... and whats so difficult about 10-07-1991 being percieved in application forms as 10 02 1991 thus being accepted im on the electoral roll aswell so for bad credit loans and cards they pretty much name check with equifax and electoral roll check for address ? ...
so as it stands you guys think theres nothing i can do ? or could i ring the credit referance agencys and say the credit agreements cant be reported on based on me being a minor at the time ? .. or the companys must of got confused by the bad hand writing can you change it over ?

jonesMUFCforever

If you are not a troll then scan an image on here of one credit agreement (with the personal details blanked out).

PNPSUKNET

Fraud is fraud, lenders will catch on to this and if your not lucky register the fraud with hunter and ci fas

pompeyl

jonesMUFCforever wrote: »

If you are not a troll then scan an image on here of one credit agreement (with the personal details blanked out).

ok what would you prefer payday loan , unsecured loan , mobile phone contract or credit card ? a of companys are

payday express,
welcome finance ,
t mobile
capital one classic card

whats the benefit of me scanning those a possible work around ?

jonesMUFCforever

Capital one card will do.

stclair

HMmmm what ever.

Changing your DOB with a CRA dont think so.

LeeSouthEast

Troll or not, I think 'screwed' is the word.