Could anyone help me ASAP please?

shellsuit

Hi Guys, it's been a good few years since I ventured over here, but I really need to help a friend in need!

Basically she paid a deposit and signed for a house/mortgage today, then an hour later she received a call, saying the underwriters had done a credit cheeck on her and have found her owing a 4 figure sum.

The problem is, she doesn't owe anybody anything.

She hates credit and nearly had a heart attack because she got a CC and spent £60 on it!

Anyway, what I'm asking, is does anyone know where she can get a copy of her credit report, instantly??

She has tried Experian but she has to wait for a code to come through and she really wants this sorting ASAP so I want to find somewhere were she can get one in the morning.

It doesn't matter if it costs her, she just really needs it as they have now stopped the mortgage!

Any ideas?

Thanks in advance to anyone who can help! x

DarkConvict

Each credit report agency holds different information as not all lenders report to them all.

There are 3, Experian (aka CreditExpert), Equilfax and CallCredit (least popular). You could try seeing if you can get Equilfax quicker. Me and my mom never had any trouble getting them.

If there is any wrong information on her file, they should look into getting CIFAS registration for their report, which is like ID Theft/Anti-Fraud. More checks are done when doing searches and applications.

Telephone
Experian 0800 6569000 / 0115 934 4050
EQuilfax 0800 0665825

shellsuit

DarkConvict wrote: »

Each credit report agency holds different information as not all lenders report to them all.

There are 3, Experian (aka CreditExpert), Equilfax and CallCredit (least popular). You could try seeing if you can get Equilfax quicker. Me and my mom never had any trouble getting them.

If there is any wrong information on her file, they should look into getting CIFAS registration for their report, which is like ID Theft/Anti-Fraud. More checks are done when doing searches and applications.

Telephone
Experian 0800 6569000 / 0115 934 4050
EQuilfax 0800 0665825

Thanks for that info, I'll pass it on!

hermum

Can't she ask the mortgage company what it says?

pixiechick_2

Has she tried the 'free' trial that Martin mentions http://www.moneysavingexpert.com/loans/credit-rating-credit-score

I got instant access to my credit report this way, printed it off and then cancelled before the free 30 day trial ended. Cost £0.

shellsuit

hermum wrote: »

Can't she ask the mortgage company what it says?

She has but they said they don't know what it is, just that the underwriters have found it.

shellsuit

pixiechick wrote: »

Has she tried the 'free' trial that Martin mentions http://www.moneysavingexpert.com/loans/credit-rating-credit-score

I got instant access to my credit report this way, printed it off and then cancelled before the free 30 day trial ended. Cost £0.

Can you remember which company you used?