Help - Who are the main credit reference companies

chrissy_stevo

I have applied for a loan and been declined and told there is an outstanding default on my file. There is nonthing on experian and nothing on equifax. There was 2 incorrect defaults on equifax at one point which I had removed and am concerned that these may be on others but am unaware of any other referecne agencies.

Can anyone point me in the right direction so I can correct my file.

DarkConvict

http://www.moneysavingexpert.com/loans/credit-rating-credit-score#files

Experian, Equifax and Call Credit

Equifax Plc
Credit File Advice Centre
PO Box 1140
Bradford
BD1 5US
https://www.equifax.co.uk

Call Credit Plc
Consumer Services Team
PO Box 491
Leeds
LS3 1WZ
0870 060 1414
https://www.callcredit.co.uk

Experian Ltd
Customer Support Centre
PO Box 8000
Nottingham
NG80 7WF
0844 481 8000
https://www.experian.co.uk

Look at page 19 onwards - http://www.ico.gov.uk/upload/documents/library/data_protection/practical_application/credit_explained_leaflet_2005.pdf

fermi

CallCredit.

chrissy_stevo

thanks, there are no outstanding defaults on that one either. I wonder what they fools are talking about. Oh well leave it 6 month and try again now.

thanks

fermi

Make sure that the address info you have given for the past 6 years to the CRAs matches what creditors may have had for you.

Sometimes a default of info can be there, but a small mismatch in the address stops that info being properly linked to your file.

MrsTinks

Chrissy - assuming you need the loan (although if you can wait 6 months I suspect it's not majorly importnant?) then appeal the decision. It's not always possible but I've had one overturned with Egg where they rejected my application. Ask to appeal on the grounds of the incorrect default - explain you have checked your credit files (all 3!) and there are no defaults on there.
Worst case - spend the next 6 months putting the repayment amounts into a savings account and therefor minimising the amount you will need to borrow eventually anyway