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Incorrect Credit History - HELP
ebba_2
Posts: 1 Newbie
I had a conversation with my bank over some overdraft charges and requested an overdraft which isn't unreasonable as I have a regular income. They responded by saying they couldn't do this due to my credit rating, they advised me to get a credit report (experion were recommended).
My report showed 2 defaulted accounts both of which were not mine, the date of birth on both were wrong and I have never traded with these companies before, however the postal address was correct.
When I asked Experion how to deal with this I was told to wrte to them to confirm the debt is mine. I am reluctant to do this incase of bailffs for debt I do not own.
Does anyone have any idea how I can deal wih this and to get my credit rating back to normal?
My report showed 2 defaulted accounts both of which were not mine, the date of birth on both were wrong and I have never traded with these companies before, however the postal address was correct.
When I asked Experion how to deal with this I was told to wrte to them to confirm the debt is mine. I am reluctant to do this incase of bailffs for debt I do not own.
Does anyone have any idea how I can deal wih this and to get my credit rating back to normal?
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