Which one of these lenders would you recommend?

Farside

there's only one thing dodgy about them but experian told me it was ok, there's like 20+ addresses, but they're all the same, just spelt slightly different or address is arrange slightly different.

This was because when i opened the experian account it wasn't showing all my credit accounts so they said they'd look into it and they re-arranged my address differently and then this brought up my other accounts, this is because my address slightly alters depending on who uses it. The address the banks use is a bit different then what the post uses. It's difficult to explain but i will when i've paid you.

Farside

droiderm wrote: »

If you were ever repossessed you can forget ybs .

No i've never had any repossesions :beer:

Dave_Ham

Jackpot. This is your issue with Nationwide on the not being accepted for a current account issue.

Bit of work in advance and this can be cleared up with a few strongly worded letters.

Traditionally, I have seen a few issues with properties in Glasgow where they have like B1, 1 1/2 and things like this.

This is good news as answers the unknown variables from the previous threads

Farside

Dave_Ham wrote: »

Jackpot. This is your issue with Nationwide on the not being accepted for a current account issue.

Bit of work in advance and this can be cleared up with a few strongly worded letters.

Traditionally, I have seen a few issues with properties in Glasgow where they have like B1, 1 1/2 and things like this.

This is good news as answers the unknown variables from the previous threads

Experian have refused to delete them, I've already asked them to delete all but my current and previous address and they said that lenders only see the current and previous addresses not all of the ones on my file.

Dave_Ham

But the killer is how Nationwide input the data and therefore assess your case.

This would be the reason you get through at appeal stage, as they track you appropriately (manually)

Whilst it does not guarantee you a mortgage, its reassuring that this is highly likely to be the issue on your credit files...

Farside

Is there anyway i can legally get experian to delete all the incorrect addresses? They have already refused over the phone when i called them

Dave_Ham

I think it is unlikely they will delete them, although you need to ensure Nationwide/whoever keys it in perfectly to match to your current credit file.

Have Equifax made the same mistake, or is that all as is?

There is a guy who posts and helps on here; James Jones I think. A name like that who will probably take this up and answer this more comprehensively.

May be worth dropping him a pm and sure someone will correct me soon if I have got the name incorrect.

Farside

It's only experian that this has happened with, the other 2 are fine

Dave_Ham

Track down the Experian guy and see if he can resolve, more lenders use Experian so for HP, finance etc. in the future it would help to get this resolved.

It also might mean you would pass the first credit check stages at lenders you otherwise may not, although it's likely you may use a Building Society in any case..

Good luck

Farside

Any idea on how to find him? i've searched the forum members list for James Jones but not found anyone who wold resemble an experian guy as all the ones i found only had a few posts to their name. Is James Jones his MSE name?