Question re: GAIN

chickencurry

Hi,
I have a GAIN (Gone Away Information Network) marker on my credit file which is linked to a company I used to owe money too but is now paid and I have no record of the debt on my credit file as it has dropped off it due to it being over 6 yrs ago. My question is can I get the GAIN marker removed as the account is now long since paid?
Thanks x

DarkConvict

Honestly, i don't know. I would contact the CRAs yourself and ask about it been removed as it is no longer relevant.

Check for cheaper number contact numbers here - http://www.saynoto0870.com/

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

never-in-doubt

chickencurry wrote: »

Hi,
I have a GAIN (Gone Away Information Network) marker on my credit file which is linked to a company I used to owe money too but is now paid and I have no record of the debt on my credit file as it has dropped off it due to it being over 6 yrs ago. My question is can I get the GAIN marker removed as the account is now long since paid?
Thanks x

Yep - that means you moved without telling the lender (lol, naughty boy!).... it remains for a total of 6 years; however it will still be there to let other lenders know you deliberately moved without telling them.... paid or not, the facts are that you moved without telling a creditor your new address and they found you lol.... read here for details: Credit Reference Agencies

Gone Away Information Network (GAIN):
This data can only be viewed by other participants of GAIN (i.e. other lenders). GAIN works by the lender telling the CRA's that their customer has moved without notifying them of the new address.

How long does the data remain?
GAIN stays on your credit file for a period of 6 years.

chickencurry

never-in-doubt wrote: »

Yep - that means you moved without telling the lender (lol, naughty boy!).... it remains for a total of 6 years; however it will still be there to let other lenders know you deliberately moved without telling them.... paid or not, the facts are that you moved without telling a creditor your new address and they found you lol.... read here for details: Credit Reference Agencies

Lol, would you believe it if I said I forgot to tell them? lol x
Thanks x

never-in-doubt

chickencurry wrote: »

Lol, would you believe it if I said I forgot to tell them? lol x
Thanks x

hahahaah - nope, never!

BUT you could always appeal to their better nature and ask if they will remove it or add a Notice of Correction to your credit file and make up some sort of sob story like 'I was running from domestic abuse' - that normally overrides many declines (I never told you that lol) :eek: :rotfl:

speirsro

Never-In-Doubt - That's shocking, making up a sob story...haha!!

Chickencurry - N-I-D's a genius...You should use that line to get it removed!! :)

chickencurry

Shocking! And you called me a naughty boy!! lol x (I'm a woman by the way ha ha!) x:j

never-in-doubt

chickencurry wrote: »

Shocking! And you called me a naughty boy!! lol x (I'm a woman by the way ha ha!) x:j

Lol sorry - naughty girl (that means you can go over my knee then) :eek::eek: