Credit Check Problems - Help!!

boltonangel

Recently i've been declined for credit, so have just checked my credit report and am shocked by what i've seen.

next didn't deliver the items i requested back in february, and are still investigating-so put a stop to stmts being sent to me, as i didn't owe them anything. however i rec'd a stmt last month requesting pymt immediately. i spoke to cust services and they apologised and said that it wouldn't affect my credit rating and that they would sort it - BUT it's showing 3 mths missed payments on my credit report!!!!!

tesco personal finance (pers loan) have got me down as missing 3 payments, but this is because my bank are struggling to register the direct debit, and i pay by switch every month in the mean time!!

i am also a linked associate to my sister in law (same name, but completely different address) and i know she has a terrible credit score, is there anything i can do??!!

jonuk7

where did you get your credit score from? i know on the Equifax site you can dispute your report online and have people who are not associated with you removed from your credit report, as far as next and tesco go all i would do is write or phone to them demanding they amend your credit score also if you have reciepts for the payments you have made send a copy to exuifax/experian to show that you have actually paid them ontime every month ad as far as i am aware they can change it for you.