Your Credit Rating: How it works and How to improve it Discussion Area

supersi77

Anyone there??

MJMum

---

khurammm

Hi on my experian credit report there are 3 searches by some Camelot Group PLC.
Does any one know what that camelot group is?

xgingerx

Hi, dont know if this is the same, but when I signed up on the internet for the National Lottery website I have a check on my file , not a credit check but an identification check on my report but these checks dont affect your rating, this is all I can think off.

bailey2_2

I have obtained my credit report from experian and on every section bar the electoral register which has my address, it says no data. . .What does this no data mean and why is it in every section. . .I do not have any credit and although I have tried with 3 different credit card companies I have been turned down... can anyone help and advise me please.... thanks

wolfie999

Hi all,

it will be useful if anybody can give us a data which lenders do 'quotation search' ?

Obviously it will be much better for your credit history and less risky to aks for quotes them first.

But who they are??

any info highly apreciated :easter:

wolfie999

bailey2 wrote: »

I have obtained my credit report from experian and on every section bar the electoral register which has my address, it says no data. . .

I had the same - it means they do not have data about your electoral role on that address.

And I solved it very simple - just call them and say you are on the electoral register - they have access to the register, will do the neccessary checks and will correct their relevant credit reports. Experian fixed it immediately by the phone and Equifax 2 days after my call.

Experian_company_representative

Chelsea_Boy wrote: »

This is my first post; sorry if it is in the wrong forum, I am hoping someone can give me some advice.

I applied for an unsecured personal loan today (via my mortgage provider The Halifax) in order to buy a new car, and I was refused the loan. The reason they gave me was that my credit score was poor. I moved house 13 months ago and took a new mortgage out with the Halifax, prior to that I had been with them for 14 years having never defaulted on a payment (or with any one else for that matter). The only other credit I have taken out in the past 18 months was last September for an M&S More card in order to BT from Barclaycard. (Thanks for the advice on this Martin;) ), this was approved & I was given a £5000 credit limit.

When I got refused my loan today, I asked the Halifax who supplied their data, they said it was Experian. I checked my credit record with them (cost me £20!) and I noticed there was an entry in Sep 06 where "The account has defaulted", this was for £17 to British Gas (BG). I have not been a BG customer since moving from my old address 13 months ago.

On the day I moved I gave BG the final meter reading, and one week later I received my final bill in which I was in credit for £1.69 (which I never received by the way). After that I never heard anything from them again.

When I moved in Nov 05, my old house was sold in part exchange to the developer of my new house, so in effect they became the owner of my old house on the day I moved. The house remained empty for 4 months before being resold, hence the £17 use of electricity.

My questions are: How do I convince BG that I was not liable for this £17 charge in the first place, & how do I get this entry deleted from my credit record. Should I be seeking legal advice regarding this?

Many thanks for any help you can give.

Experian only provides two credit report services for consumers; a £2 paper report and an online report through CreditExpert which is free for the first month (for new customers) and then £5.99 per month after that. Who did you pay £20 to and what did you get?

Dramsay_2

Hello All

Looking for a bit of advice,

I recently checked my credit rating online and I was in for a rude shock.

A Barclaycard I believed that I had paid off and cut up 2 years ago had a balance of 0.29p left on it.
As this balance was under £1 I was not sent any bills or requests for payment. That was until October of this year where Barclaycard started fining me for non-payment and putting black marks on my records.
However I had moved from this address by that time and I was not forwarded this mail from Barclaycard (which is odd as all my other mail was forwarded).

When I informed Barclaycard of this they removed all charges from my account and asked me to pay off the 29p however the black marks remain on my account. Is there any way I can have these removed?

jay78

Only Barclays can remove it. Have you asked them?