Declined Currys Credit - their error?

shellyeah

Hello there everyone long time lurker, first time poster here - hope I'm in the right place for some advice!

Early December 2011 I popped to Currys to go and buy a new netbook as mine had bit the dust (typical just before Christmas!). I applied for the monthly payment credit scheme to help spread the cost a bit and went through the motions with the sales assistant entering all the information only to be then told that my application was declined and I was given no further reason, just a shifty sideways look from the clerk lol . I left feeling a bit confused as I had never been refused credit before, and thought I was fairly 'OK' as financial things go!

Anyway so tonight I finally get round to checking my credit report again with equifax. Sure enough, there are no problems showing at all, everything is OK. I check the 'previous searches' section and up comes the search from Currys except that it has gone through under my first name and my mothers maiden name! I was asked my mothers maiden name as a security question by Currys so I can only assume that the sales assistant has fudged the application form and not input it correctly.

My questions are - Would the decline be due to this error in name? If so, how likely is it that this declined application will affect any future applications? Should I take this matter further and complain and if you think so, who should I approach to clear this error? I would be so grateful for some experienced advice here, as my partner and I are doing everything in our power to try and secure a mortgage in the new year, and I would hate to think that something so pathetic as a typo could mess things up!

Paranoidly yours and ever grateful,

Shell xxx

opinions4u

An error in name on the application would be likely to lead to a decline decision.

Especially if the name used is somebody who doesn't exist.

property.advert

I do not know the law in this area but if this causes you a material loss, Currys should be liable. Only they can do something at the credit agency and though I strongly suspect they will say they can do nothing, that is cobblers.

Get restitution and compensation or sue.

camuk81

They should be able to remove a search if its inaccurate

Saints2011

Don't forget about Experian & Call Credit as well

poppasmurf_bewdley

If they used a different surname, how on earth could it get on YOUR credit information? They must have had your correct surname.

Bravehearted_2

poppasmurf_bewdley wrote: »

If they used a different surname, how on earth could it get on YOUR credit information? They must have had your correct surname.

I'm inclined to agree.

Credit checks carry out searches based on name, address, DOB etc.

If you found their search on your file it means they searched the correct file i.e. yours.

The decline must be for some other reason.

Not to pry, but what is your file like? Defaults, CCJs, missed payments? Any dirt?

vax2002

They also check your employer and quite often they know things about companies financial positions that employees are the last to find out.
If its local council they know what job cuts are to be made and which jobs will most likely be first, usually anyone who "does the work" instead of talking.
all these can be factors in denying credit

Buzby

Material loss due to a credit report (even if incorrect) would not be successfully sue for, as proving (quantifying) the damage is impossible. Further, it would not be the sole reason for refusal, so as it would be the complainer who would have to fund the action with no guarantee of success, the process would be futile. Much easier to move on and try again later.

somethingcorporate

vax2002 wrote: »

They also check your employer and quite often they know things about companies financial positions that employees are the last to find out.
If its local council they know what job cuts are to be made and which jobs will most likely be first, usually anyone who "does the work" instead of talking.
all these can be factors in denying credit

Rubbish!!!!

opinions4u

vax2002 wrote: »

They also check your employer and quite often they know things about companies financial positions that employees are the last to find out.
If its local council they know what job cuts are to be made and which jobs will most likely be first, usually anyone who "does the work" instead of talking.
all these can be factors in denying credit

Have yesterday's funny cloud formations had some sort of impact?