Experian refusing to remove Notice of Correction

malcolmffc

'lo all,

My wife is having trouble getting Experian to remove a Notice of Correction from her credit file. She is a US citizen, so when she first moved out here she had no credit history and couldn't even get on the electoral roll. So we put the NoC on her Experian file explaining why she wasn't on the roll and that she would be happy to prove her address by other means.

Last month she became a British citizen, so she can finally be on the electoral roll. Having the NoC on her account is now just an inconvenience (every credit application she makes has to be manually approved) and we'd like to have it removed. However, when she contacted Experian they said that they cannot remove the NoC unless she is an active member of Credit Expert! This would mean having to shell out £14.99 for a one month subscription, as she is ineligble for the free trial (used many years ago.)

Surely this can't be legal? I'd have thought Experian have a legal obligation to have the NoC state whatever we wish as long as it is not defamatory etc. Any advice on next steps?

cos_2

I'm not sure that your OH will appear on the published Electoral Roll records: at least, I doubt if that information will have reached Experian yet? (If it's just a month since she became a citizen.)

Once the CRA records show her on the Roll I don't think any manual interventions will be triggered. At this point the NoC won't be looked at, so I wouldn't bother to try to get it removed or changed.

zen135

Experian are being incredibly ridiculous for asking you to sign up to their overpriced credit score service in order to get something changed on your credit report. Get their statutory £2 credit report and use their online contact form (instead of calling them) through the link below explaining the changes that you require on your report:

http://www.experian.co.uk/consumer/credit-report-contact-us.html

This should get resolved without any major issues.

The NOC on her credit report would always trigger a manual intervention even if she is on the electoral roll now. So, get this removed using the above route.

cos_2

zen135 wrote: »

The NOC on her credit report would always trigger a manual intervention even if she is on the electoral roll now. So, get this removed using the above route.

Once the CRA is reporting, factually, that the applicant lives at the claimed address, why would the potential lender look for MORE information?

The point of NoCs is to allow the potential lender to consider additional information before reaching a decision once a potential problem has been flagged.

If, for whatever reason, they DID read the NoC, it would be very clear that it was posted to provide information prior to the electoral roll update.

For uber clarification I suppose she could add another NoC saying, "Please disregard the previous NoC. I am now on the electoral roll, as you can see." This could be added at no cost.

zen135

cos wrote: »

Once the CRA is reporting, factually, that the applicant lives at the claimed address, why would the potential lender look for MORE information?

The point of NoCs is to allow the potential lender to consider additional information before reaching a decision once a potential problem has been flagged.

If, for whatever reason, they DID read the NoC, it would be very clear that it was posted to provide information prior to the electoral roll update.

For uber clarification I suppose she could add another NoC saying, "Please disregard the previous NoC. I am now on the electoral roll, as you can see." This could be added at no cost.

I'm not disputing the fact that the NOC would have little effect on the outcome of any credit applications given that the issue which it relates to has been rectified now. However, the mere fact that a NOC is registered means that any application would always require manual intervention by the underwriters for approval as their systems are designed to refer an application if any NOCs are found on the applicant's credit report, rather than deciding the outcome of the application automatically.

malcolmffc

zen135 wrote: »

Experian are being incredibly ridiculous for asking you to sign up to their overpriced credit score service in order to get something changed on your credit report. Get their statutory £2 credit report and use their online contact form (instead of calling them) through the link below explaining the changes that you require on your report:

http://www.experian.co.uk/consumer/credit-report-contact-us.html

This should get resolved without any major issues.

The NOC on her credit report would always trigger a manual intervention even if she is on the electoral roll now. So, get this removed using the above route.

Unfortunately that's exactly how we contacted them, and they emailed back stating that we had to be active members of CreditExpert to get the NoC removed.

Any suggestions on next steps? Isn't there an Experian representative on this board somewhere?

malcolmffc

cos wrote: »

The point of NoCs is to allow the potential lender to consider additional information before reaching a decision once a potential problem has been flagged.

If, for whatever reason, they DID read the NoC, it would be very clear that it was posted to provide information prior to the electoral roll update.

For uber clarification I suppose she could add another NoC saying, "Please disregard the previous NoC. I am now on the electoral roll, as you can see." This could be added at no cost.

The point is not that the NoC is out of date, but that it exists before as it causes any credit application that my wife and I make to be unnecessarily delayed.

Experian_company_representative

I'm really sorry, you have received worryingly incorrect advice from one of our agents. Please send me a copy of the email, including your name and address, and I will investigate for you -> james.jones@uk.experian.com. We'll also make sure the notice of correction is removed straight away.

Thanks
James Jones

Experian_company_representative

You can cancel the CreditExpert free trial by email within the first 14 days. You can also cancel it anytime via our freephone cancellation line: 0800 561 0083.

James Jones

adindas

Experian_company_representative wrote: »

I'm really sorry, you have received worringly incorrect advice from one of our agents. Please send me a copy of the email, including your name and address, and I will investigate for you -> [EMAIL="james.jones@uk.experian.com"]james.jones@uk.experian.com[/EMAIL]. We'll also make sure the notice of correction is removed straight away.

Thanks
James Jones

[FONT=&quot]I cannot believe how come the company who should supply a fully trusted data make this blunder?? It is probably the same agent who have recorded other people data.[/FONT]
[FONT=&quot]No wonder in this forum there are already reasonable number of people are complaining regarding the accuracy of the CRAs record.[/FONT]

[FONT=&quot]If it is the trivial case like this cannot be trusted how could people trust other much important data which have been recorded by CRAs?[/FONT]
[FONT=&quot]
[/FONT][FONT=&quot]Here is the discussion what CRA have been doing to community, make your own judgement.[/FONT]
[FONT=&quot]https://forums.moneysavingexpert.com/discussion/3889861[/FONT]

malcolmffc

Thanks James - I've sent you an email with the relevant details.