Sueing CRAs?

matttye

Why dont CRAs and banks update in realtime anyway? It's 2014. We live in a connected society. Most things are done on the internet these days. Is there really a reasonable excuse for CRAs taking 28 days to update reports?

I'm actually asking, as I don't know the answer.

Thrugelmir

matttye wrote: »

Why dont CRAs and banks update in realtime anyway?

For what purpose. There's 72 months of history to base decisions on. One recent transaction makes very little difference.

jackjones01

jph101 wrote: »

Does anyone know what the situation is with regards to incorrect information on a credit score and taking the credit reporting agency to the small claims court for deformation?

The background to this is as follows. I had a bill go to an old address and so I never got the bill to pay. Went to court and I had a ccj put against my name. Only found out about it because I was turned down for a mortgage. Luckily I found out about it two days after it had been put on my report. Paid what was owed and the registry trust ltd sent out a notice to the CRAs to remove an reference of it off my report.

I kept an eye on it and when I saw it had been taken off equivalent and experien I was able to apply for more credit. Thing is I kept on being turned down when I was trying to credit or a car. I only just found out that call credit didn't delete it from report and still says its active. This started in November and I have just found the call credit mistake now. 5 months of stress and irritation.

I asked them to remove but they said it would take 28days. I told them they had a week before I started proceeding against them. I didn't hear back.

Can I sue them for deformation of character?

Thanks

Did you pay the CCJ within 28 days of it being issued? Just I thought CCJs would only be removed if youd paid within 28 days.

matttye

Thrugelmir wrote: »

For what purpose. There's 72 months of history to base decisions on. One recent transaction makes very little difference.

Unless the recent information on the report is an erroneous default or a paid (within 30 days) CCJ.