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Credit Rating Age Messed up

2»

Comments

  • xmodz
    xmodz Posts: 133 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    Tixy wrote: »
    You must have put an incorrect date of birth down - and chosen to say you were 18 for a reason.
    Had you read all the terms & conditions when you made your purchase it would have explained that you were giving the permission to perform a search with the credit reference agencies and for them to report your account with them to the credit reference agencies.

    The account with the incorrect date of birth - does this show as open or closed? does it show an outstanding balance?

    I doubt you will be able to do anything about it other than to wait for it to drop off your credit file (6years from the date it is closed or the date you defaulted). At that point when there is nothing with that DOB on your file you might find it easier to get credit.

    Although you might still struggle as its possible that the national hunter database might still flag up inconsistent data, even after the 6years.

    even though i opened an account i didnt buy anything at all so i didnt pay anything with credit.
  • Tixy
    Tixy Posts: 31,455 Forumite
    Either experian or the creditor may well notify CIFAS of the fraud, which would then result in a fraud marker under the CIFAS section of the report - and that can certainly make it very hard to get credit.
    A smile enriches those who receive without making poorer those who give
    or "It costs nowt to be nice"
  • lovinituk
    lovinituk Posts: 5,711 Forumite
    1,000 Posts Combo Breaker
    xmodz wrote: »
    even though i opened an account i didnt buy anything at all so i didnt pay anything with credit.
    You obtained credit fraudulently though even if you didn't use it.
  • Tixy
    Tixy Posts: 31,455 Forumite
    xmodz wrote: »
    even though i opened an account i didnt buy anything at all so i didnt pay anything with credit.

    This might be looked on more favourably by the catalogue company.
    Does the account show as open or settled on your credit report?
    A smile enriches those who receive without making poorer those who give
    or "It costs nowt to be nice"
  • xmodz
    xmodz Posts: 133 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    Tixy wrote: »
    This might be looked on more favourably by the catalogue company.
    Does the account show as open or settled on your credit report?

    it shows as settled
  • xmodz
    xmodz Posts: 133 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    Tixy wrote: »
    This might be looked on more favourably by the catalogue company.
    Does the account show as open or settled on your credit report?

    it shows as settled, emailed them yesterday havent heard anything back yet
This discussion has been closed.
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