The Sub Prime Credit Thread - Part IV

BugsyBrowne

My experian..

Summary of your credit history
Number of credit accounts (including those settled)..................................................8
Amount of available credit (excluding mortgages)...........................................£3,310
% of your total credit being used (excluding mortgages)........................................44%
Amount of outstanding debt (excluding mortgages and defaults)........................£2,690
Number of accounts overdue...................................................................................0
Number of missed or late repayments in the last year...............................................0

BLT_2

star-fire wrote: »

My experian..

Summary of your credit history
Number of credit accounts (including those settled)..................................................8
Amount of available credit (excluding mortgages)...........................................£3,310
% of your total credit being used (excluding mortgages)........................................44%
Amount of outstanding debt (excluding mortgages and defaults)........................£2,690
Number of accounts overdue...................................................................................0
Number of missed or late repayments in the last year...............................................0

If its anything like mine its complete bollox, they still have 2 entries on there which have been paid off, , It always amuses me that they state this gives you instant access to any anomolies in your credit file, then take 3 months to update your records.

Interesting but unreliable would be the best way of summing them up

BugsyBrowne

BLT wrote: »

If its anything like mine its complete bollox, they still have 2 entries on there which have been paid off, , It always amuses me that they state this gives you instant access to any anomolies in your credit file, then take 3 months to update your records.

Interesting but unreliable would be the best way of summing them up

Your 2 entries which you say have been payed off should then come up as settled on your account..

BLT_2

star-fire wrote: »

Your 2 entries which you say have been payed off should then come up as settled on your account..

Yep, they should but Experian state that it takes some time for them to be notified by companies of any changes - so much for their promise of immediate notification if there are any extensive changes to your credit record.

That said, I like the statement 'settled' so much that I am going to cancel my mobile phone contract and go onto PAYG because a mobile phone contract is listed as being an outstanding credit agreement on the record

fairmorn308

Good Evening Peeps?

Hows everyone? I got a letter today from CallCredit saying they wont remove the linked address i needed removed and they said they contacted the lender and they refused to remove it. What is my next step?

kilasuit

fairmorn308 wrote: »

Good Evening Peeps?

Hows everyone? I got a letter today from CallCredit saying they wont remove the linked address i needed removed and they said they contacted the lender and they refused to remove it. What is my next step?

I'm sure its the ICO

kilasuit

From a booklet i got from Sygma about the ICO it states this

You wrote to the credit reference agency because the information on your credit reference file is wrong. You have given them 28days to reply but they have not replied, or they have replied But the the information is wrong.

address is as follows

Wycliffe House
water lane
Wilmslow
Cheshire
Sk9 5af

fairmorn308

kilasuit wrote: »

From a booklet i got from Sygma about the ICO it states this

You wrote to the credit reference agency because the information on your credit reference file is wrong. You have given them 28days to reply but they have not replied, or they have replied But the the information is wrong.

address is as follows

Wycliffe House
water lane
Wilmslow
Cheshire
Sk9 5af

Thank you

My whole credit file was attacked and everything was changed. Lucky nothing was applied for and money missing etc i spotted it in time. I just want the linked address removed

fairmorn308

Letter already wrote

lordash

Hi,

Have been reading this thread with great interest. I have had problems in the past with credit, and have 5 defaults registered during 2008/09 (youngest one is nearly 1 year old). Of course, this means its virtually impossible for me to get any sort of credit (even been turned down by Vanquis!)

I opened a NatWest Step account as a secondary account, and have had this running for a few months. I decided to upgrade this to a Current Plus and I was accepted (albeit taking a month longer than necessary due to forms being lost in the post). I was warned at the time that the dreaded AVU would close the account even after being accepted, but so far this hasn't happened (account almost been open for a whole week, and am already successfully using it).

Got my full-auth card and chequebook the other day. From what I understand, once you have a good turnover and keep up a nice average balance, Natwest can be quite generous with the pre-approved offers and hopefully should get given a chequecard and an overdraft (NEVER to be used) in about 6 months without a credit search.

Maybe I was just lucky, but perhaps Natwest have relaxed their criteria recently. I certainly wasn't expecting to be accepted so soon.