Bit of advice needed on Credit Reports...

liltdiddylilt

Hello

I hope I'm not being ridiculously blind here, but after going through every bit of the Credit Score page I still can't see what I need to find out.

Basically, my credit rating was all in all great until I couldn't get out of my overdraft one month & got stuck there for 8 months or so. In this time (April) I got married (in a majorly cheap and cheerful 2 witnesses at the register office ceremony) and had a baby (also April *shotgunnnnn*) and my credit rating has now disappeared into the ether. I thought I had notified everyone, but then my new MBNA card came through the post a couple of days ago in my maiden name.... Lets call it baby brain but I started to have a poke around and my mobile phone is still in my maiden name too...

I've sent off letters to each of these to correct this, and the good news is I definitely remember changing it on my electoral roll in August time. I have been accepted for a 0% card in the meantime so things aren't that dire, but the limit was half what I needed soooooo something isn't great.

I tried to apply for the Noddle credit report but they couldn't 'verify' my identity...

To my question(s):

• How do I contact the three credit agencies to check that they have my new name? Can I email them?

• What do I say?!?! I'm like a nervous schoolgirl asking Experian on a date..:rotfl:

• How long will it take for name changes etc to take effect if they haven't changed my name on the reports?

• Once MBNA & the mobile phone have my correct name, how soon will this be put across to the credit ref agencies?

The good news is, I need no new credit etc; so this isn't urgent... but I do want to build up my credit history again to the glorious level it once was.

Thanks for any help or advice you can give

~Lilt

sistafromanothermista

liltdiddylilt wrote: »

I tried to apply for the Noddle credit report but they couldn't 'verify' my identity... MINE DID THIS NOT ANYTHING TO WORRY ABOUT

To my question(s):

• How do I contact the three credit agencies to check that they have my new name? Can I email them? IF YOU GOOGLE 'EXPERIAN', 'EQUIFAX' AND 'CALL CREDIT' FOR £2 YOU CAN APPLY ONLINE. EQUIFAX IS IMMEDIATE, EXPERIAN YOU HAVE TO WAIT A FEW DAYS FOR A PIN TO COME THROUGH AND CALL CREDIT IS IMMEDIATE

• What do I say?!?! I'm like a nervous schoolgirl asking Experian on a date..:rotfl:

• How long will it take for name changes etc to take effect if they haven't changed my name on the reports? UNSURE, A FEW MONTHS MAYBE. YOU HAVE TO PUT IN YOUR CURRENT NAME AND OTHER NAMES YOU'VE BEEN KNOWN BY IE. MAIDEN NAME

• Once MBNA & the mobile phone have my correct name, how soon will this be put across to the credit ref agencies? I DON'T KNOW, PROB FEW MONTHS HOWEVER IT MAY JUST HAVE YOUR MAIDEN NAME NEXT TO IT AS THAT'S THE NAME YOU OPENED THE ACCOUNT IN

The good news is, I need no new credit etc; so this isn't urgent... but I do want to build up my credit history again to the glorious level it once was.

Thanks for any help or advice you can give

~Lilt

Easy really and you don't need to speak to anyone

liltdiddylilt

Thanks for your help. Applied to experian earlier & will do equifax when I have that one back & can see what the problem is.