Help with credit data not shown on Credit card Company Database.

Moggles_2

delerium wrote: »

Have you checked that MBNA have your postcode and address right? I say this because with JD WIlliams my street name comes up as College st when they search my postcode. My street isn't college st but something quite similar, but it doesn't seem to matter, so when they search my credit file they find nothing, so I need to prove to them that I live where I say I live. Also many moons ago, I had the same problem with flat numbers and the electoral roll. I always put that I lived at flat 9/7 but when I searched experian I didn't exist on the electoral roll.....why? because the council called my flat 907. Teeny weeny things as little as a 0 in the wrong place or the wrong name of a street or even the wrong postcode (I used to think we were 8nw but we were 8nr) can have a detrimental effect.

Good point.

This is surprisingly common. Also, an extra line may be inserted/omitted or the order reversed, where new build, a house name or a block of flats is involved or where a landlord has converted a house to flats. It's not necessarily an error. Very often it comes down to a difference of opinion as to how an address should be formatted rather than an actual mistake.

That said, MBNA's credit check(s) have left footprints on the Op's files, which suggests their details were located correctly on Experian's database.