http://www.annualcreditreport.co.uk/

rach!_3

hi as some of you will know we are looking to get a loan(which is why i put this here) i went to annual credit report and applied for mine once i got my pin and tried to login i got this on my screen and in an email

Hi Rachel

Many thanks for requesting your free credit report from annualcreditreport.co.uk

Unfortunately, despite our best efforts, we were unable to obtain your credit report from the credit reference agency we searched. It’s likely that lenders will also have this trouble when they try to search you. Your credit applications could be declined because of this.

We feel it is important that you have access to your credit report and want to help resolve this.

We suggest you obtain your credit report from each of the credit reference agencies. You can do this by sending £2 by post to obtain your credit reports in paper form. Click here for the addresses needed to do this.Once you have a credit report from each of the three credit reference agencies, you can check the details carefully, and then correct any errors (for free) directly with the agency concerned.

Once you have sorted out any problems, please come back to annualcreditreport.co.uk so we can start supplying you with free annual access to your credit report, and you can then make sure that your details remain in shape.

We are sorry we are unable to help you right now, but hope this helps and that you will return to use our services again in the future.

Many thanks,

The annualcreditreport.co.uk team

i dont understand why they cant obtain my file, does this mean i dont have one? and is it really bad?

rach!_3

anyone??????

trish06

hi rach
have you moved house recently ?
i had same email back from them,because i have recently moved,they just need to make sure they have the right person

rach!_3

hi trish, no been here almost 4years

trish06

aww sorry i cant help,maybe it just needs more info to prove who you are,are you on the electrol register ?

rach!_3

yeah, have been most of the time we have lived here

Tori_Bellatrix

rach! wrote: »

hi as some of you will know we are looking to get a loan(which is why i put this here) i went to annual credit report and applied for mine once i got my pin and tried to login i got this on my screen and in an email



i dont understand why they cant obtain my file, does this mean i dont have one? and is it really bad?

Hi,

Don't worry Rach, I had exactly the same problems.

Annualcreditreport use the CRA 'CallCredit'.

Although I have a file with Experian and Equifax, it appeared that none of my creditors reported to CallCredit hence them being unable to supply me with my file.

That's what they told me when I emailed them.

rach!_3

ah ok, thank you tori