Mum has no Callcredit history

mynameisclare

EmmaHerts wrote: »

I just tried the online statutory report with Call Credit and it seemed to have an issue with the apostrophe in my town's name. Are systems really that lousy?

My surname has an apostophe, and I can assure you that a lot of companies' systems really are that lousy!

psyman17

I'm unable to sign up for these credit checking services online as they insist on credit card details & I dont have one. It seems a debit card isnt good enough. Does anyone know a way around this that doesnt involve ordering through the post (ie online only?).

zudecke

Hi guys,

Just to bring this thread back to life now that I have received a letter response from Call Credit..

So my Mum was forced to request a "Limited Subject Access Report" via snail-mail as Call Credit were not accepting her online. The document she received has hardly anything on it and certainly nothing with regard to credit history (other than the one search conducted to process this document) and/or current credit accounts.

What do I do from here?

I want to know a couple of things:

- Why she is being refused credit (when she has never missed a credit account payment, is and has been since forever registered on the electoral roll, has multiple accounts and is in full-time employment)?

- What, if any, is the difference between this snail-mail "Limited Subject Access Report" and a "statutory credit report" and why she is being forced to pay for both?

- If you, more experienced people wanted to check your credit rating/scoring, how would you do it? There were posts advising against Check My File, so what is the best (preferably most cost-effective) way to get an idea of what your credit files looks like against each company? Is the statutory report detailed enough?

Any help appreciated!

Z

zudecke

Anyone can answer these Qs?

Tixy

zudecke wrote: »

- What, if any, is the difference between this snail-mail "Limited Subject Access Report" and a "statutory credit report" and why she is being forced to pay for both?

- If you, more experienced people wanted to check your credit rating/scoring, how would you do it? There were posts advising against Check My File, so what is the best (preferably most cost-effective) way to get an idea of what your credit files looks like against each company? Is the statutory report detailed enough?

Any help appreciated!

Z

Ststutory report is detailed enough - it contains all of the relevant information, and all the info that a potential lender would see. Best way is copies of statutory reports from each of the 3 credit reference agencies.
Online free trials from them are ok if not been used before, if will remember to cancel, if you have a CC you can use and if the systems will accept you and send you something.

If you followed the callcredit statutory postal report link and it took you to a form entitled limited subject access request and cost £2 - then that should be the statutory credit report they sent to her?

Callcredit it the least used credit reference agency, which could be why its showing very little with regards to her credit accounts / credit history.

Tixy

zudecke wrote: »

- Why she is being refused credit (when she has never missed a credit account payment, is and has been since forever registered on the electoral roll, has multiple accounts and is in full-time employment)?

Whilst we cannot say for certain if you could provide more information about her circumstances we could try to give you an indication as to why she is being refused.

What has she applied for and been turned down for?
What existing open credit accounts does she have?
How much are her existing debts?
How much available but unused credit does she have?
Does she have an overdraft? does she use it every month? get near to the maximum?
Does she pay more than the minimum payment on any credit cards?
How much does she earn?

JohalaReewi

zudecke wrote: »

- If you, more experienced people wanted to check your credit rating/scoring, how would you do it? There were posts advising against Check My File, so what is the best (preferably most cost-effective) way to get an idea of what your credit files looks like against each company? Is the statutory report detailed enough?

Any help appreciated!

Z

1) Don't bother with the scores.

2) For the statutory report (cost £2), apply directly to the credit reference agencies.

Experian:
http://www.experian.co.uk/consumer/statutory-report.html

Equifax:
http://www.equifax.co.uk/Products/credit/statutory-report.html

Last (and definately least - you could save £2 and not bother)
Callcredit:
http://www.callcredit.co.uk/stat-report-online/
I see that when you click on "order on paper" they call it a Limited Subject Access Request in accordance with the Section 7 of the Data Protection Act 1998. I am pretty sure this is the same thing.

Yes the statutory report is all you need and will contain everything that the agency has about you. It might not look very pretty but all the information will be there.

You may find that Callcredit don't have any data about you (this is fairly common).

HTH

zudecke

Thanks for your replies guys.

So Callcredit is the least used.. and there equivalent of a statutory report is the Limited Subject Access rpt.

Fine - except that report has literally nothing it. It is one page of minimal information. It just has her address, time on electoral roll and 1 credit search (which was the one generated to get the report out to her!).

You guys said it's common for Callcredit to not hold any/too much info on a lot of people, but should I not be concerned for her? I.e. could I not contact them to find out why?


To answer the questions:
What has she applied for and been turned down for? - House of Fraser store card
What existing open credit accounts does she have? - 2x credit cards
How much are her existing debts? - She eats into one or both of her cards up to about £400 a month
How much available but unused credit does she have? - Her credit limit on her main CC is £6k
Does she have an overdraft? does she use it every month? get near to the maximum? - No OD
Does she pay more than the minimum payment on any credit cards? - Always
How much does she earn? - £32k

Thanks again everyone!

Tixy

You could contact them - but suspect the answer will be that the particular creditors she has or has had in the least few years don't report to callcredit. A lot of lenders only report to 1 of the 3.

JohalaReewi

zudecke wrote: »

So Callcredit is the least used.. and there equivalent of a statutory report is the Limited Subject Access rpt.

Fine - except that report has literally nothing it. It is one page of minimal information. It just has her address, time on electoral roll and 1 credit search (which was the one generated to get the report out to her!).

Same for me. I don't think Callcredit has much data about anyone. YMMV

You guys said it's common for Callcredit to not hold any/too much info on a lot of people, but should I not be concerned for her?

Not for Callcredit. You can safely ignore them most of the time.

If you search for the 'who uses who' thread in this forum, you can get an idea of which companies report to which credit reference agencies.

https://forums.moneysavingexpert.com/discussion/2419785

With credit reports, the essentials are to make sure they show you are at the correct address and on the electoral role.

If there are any credit agreements shown, make sure they are correct and up to date. Note that you may have some agreements that are not shown. This is probably because they are not reported by that company to the CRA. Don't worry about these.

If you find things on your credit history that are nothing to do with you or are not correct. Report them to the credit reference agency in the first instance. You should worry about these!