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Statutory Credit Report
missminx
Posts: 947 Forumite
Hi all, just got my statutory credit report through from Experian. Couple of questions really. My Argos card doesn't show. Is this because I haven't defaulted on it? I have a loan with Provident, and this shows, but I have never defaulted on that either... Confused. Can't wait to be done with Provident! However it got me out of a massive hole and suited me at the time. Not really sure what the status things mean either. Is 00 a good thing?
Also, I had a slightly unfair CCJ against me. Long story short. A heating oil company (who I don't think I owed anything to, but can't prove it) sold a debt to a DCA. I never knew ANYTHING about it til a bailiff showed up. No letters beforehand AT ALL. Had to satisfy the debt as it was affecting my Mum's address and the bailiff was mr nasty personified (how do they sleep at night). I had no chance to defend it or sort it out. I didn't have the resource of somewhere like here either to know how to deal with them. That is going to affect me for another 3 years, when I couldn't have acted to stop it, because I never knew :mad: Sorry, more of a rant than a question.
My cc is showing fine on there. Not really much else on it. Just need to pay off the one DCA issue I have, and hopefully I can try to improve things, unless something I have forgotten comes back to haunt me!!
Also, I had a slightly unfair CCJ against me. Long story short. A heating oil company (who I don't think I owed anything to, but can't prove it) sold a debt to a DCA. I never knew ANYTHING about it til a bailiff showed up. No letters beforehand AT ALL. Had to satisfy the debt as it was affecting my Mum's address and the bailiff was mr nasty personified (how do they sleep at night). I had no chance to defend it or sort it out. I didn't have the resource of somewhere like here either to know how to deal with them. That is going to affect me for another 3 years, when I couldn't have acted to stop it, because I never knew :mad: Sorry, more of a rant than a question.
My cc is showing fine on there. Not really much else on it. Just need to pay off the one DCA issue I have, and hopefully I can try to improve things, unless something I have forgotten comes back to haunt me!!
Still looking for the plot...... Anyone seen it???
0
Comments
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Argos may not report to Experian. To get a full picture of your history, you need to get stat reports from Experian, Equifax and Call Credit.0
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