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??!!

southernscouser

You can contact the Credit Agency, by email I think, and ask them for a financial disassociation from you S-I-L! This takes a few days and then she is removed.

Regarding the late payments phone the companys up and ask them to correct the information with the credit reference agencies. If they are at fault there is no reason why this shouldn't be done!

boltonangel

thanks for that - i'll get S-I-L removed once and for all!!!!!

southernscouser

boltonangel wrote:

thanks for that - i'll get S-I-L removed once and for all!!!!!

:rotfl:

The parents-in-law next is it?