Experian credit rating, I dont know whats going on

lennysgirl

Hi everyone

I am wondering if anyone has any suggestions or opinions on what I should do.

I have some debt that I am paying off:

RBS loan (£1700 ish of a £3500 loan) due to finish Dece, never missed a payment.

RBS credit card £1200 allways pay at least min each month, never missed a payment

Tesco credit card £900ish allways pay at least min each month, never missed a payment

I also have on it details of a 3 mobile account and a comet card, both paid in full, both inactive (I.E. dont use any of them)

So all in all I reckon I owe about three thousandish but the experian report summary states I owe £9000ish, this is not the case.

Looking further into the report the accounts I hold seem to have been put in twice.

I am really worried now as I have a very poor credit rating and dont understand how I can fix this?

I understand the debt I have is my own fault but I am paying it off and never miss payments, I dont know what to do! Does anyone have any suggestions?

How could go about improving this rating?

I want to get a place of my own in a year or two and I am really worried that this will affect if

Gordon_Hose

I had the same issue. I called Experian and got them to sort it out.

lennysgirl

Thank you so much, I will contact them today, hoepfully it is just a mistake on thier part.

Gordon_Hose

It is, well...it was when it happened to me. I only have £2000 of available credit and they'd doubled it according to my report. When I looked closer the accounts were duplicated.

The chap on the phone said it was nothing to worry about as any lenders accessing my report wouldn't be able to see the duplicated information. They then removed the duplicates and it has been fine since

lennysgirl

Oh thats great, because I have been so worried about this! Thanks again for your reassuring reply!

Experian_company_representative

Sometimes we enter your address twice on the report you see, if there are variations, to make sure you get all the data. However, lenders only see each item once. Unfortunately, the online summary you refer to is not clever enough to spot and take account of the duplication. Our help desk shiould be able to resolve this for you anyway. Sorry if it caused any worry.

James Jones

lennysgirl

Thank you so much James, I emailed today and your post has helped me relax about it and not worry over the weekend,thank you