Credit file advice please...

file_wizzard

EstellaK wrote:

what reason would I have for raising a notice of dispute if I know that the debt is genuine?

Do you have a copy of the orginal default notice? , do you know the date on it is correct?

statement, not a question !

EstellaK

Do you mean that I should write to the companies asking for these?
Sorry if Im being thick!!! Im new at this!!

file_wizzard

EstellaK wrote:

Do you mean that I should write to the companies asking for these?
Sorry if Im being thick!!! Im new at this!!

Hi, no your not being thick !

The best bet is to raise a notice of dispute directly with the Credit reference agency’s., this can be done in writing, or online / via e-mail/

They will then contact the data controller on your behalf and ask them to verify the data they have submitted, then one of three things will happen;

1) Data control responds and verifies data is correct ( information remains on file )
2) Data control responds and verifies data is NOT correct ( information is removed from file )
3) Data Controller fails to respond to CRA within 28 Days and data is suppressed from file by CRA ( information is no longer “live” on searches Ect, but will remain with CRA in case data controller responds at a later date)

In respect of item 3 Equifax and Call Credit tend to suppress, Experian tend to just leave the data on and make you go to the Information Commissioners Office if the lender fails to respond

EstellaK

Right, I will get on to the credit ref agency to do that!
thanks for your help