How to obtain credit reports

Infidel

Hi. I just have a quick question. Do 'alleged debts' that are in dispute show up on your credit report?

lisyloo

Do 'alleged debts' that are in dispute show up on your credit report?

If the alleged debt associated with a credit account e.g. mobile phone, credit card, catalogue account etc.

If so, then more than likely it's shown on the balance of your credit account.
Having a debt is not necessarily bad e.g. credit card debt is fine providing your keeping up with the payments.
It's only missed payments that are bad, so there is "good" and "bad" debt.

michilin27

hey all- hope u all had a lovely christmas and happy new yr!!quick question re linked addresses- on my credit report there is a linked address to my parents address which is grand but there is an account on there that isnt mine- its my mothers- we both that the same inital so am assuming this is how it got on there- how do i get it removed?

Moggles_2

michilin27 wrote: »

Quick question re linked addresses. On my credit report there is a linked address to my parents' address which is grand, but there is an account on there that isn't mine - it's my mothers. We both have the same initial so am assuming this is how it got on there. How do I get it removed?

Normally a link is created when you tell a lender that you have changed address or when you include more than one address on a credit card application. So far, so good. This doesn't explain how your mother's account got there though!

I would contact the CRA concerned right away. The agency will contact the organisation(s) that provided the data and delete the account.

michilin27

thanks moggles- ill send them a email through their website

strange thing though is i have moved out of my parents house years ago- the account that showing up of my mothers was only opened 6 months ago- i know she had a lot of trouble with them


as i said, we both have same inital and surname- she is married and im not( though am hinting for a ring but thats another story:rotfl:!)
my credit report is under miss j bloggs and this account of hers is showing as mrs j bloggs

Moggles_2

michilin27 wrote: »

Strange thing is I have moved out of my parents' house years ago. The account of my mother's was only opened 6 months ago. I know she had a lot of trouble with them. We both have same initial and surname. She is married and I'm not. My credit report is under Miss J Bloggs and this account of hers is showing as Mrs J Bloggs

Your post underlines the importance of obtaining credit reports now and again.

Very best
M

michilin27

well said phil- ill update thread when i hear from agency- thanks again moggles

fallen121

Experian have a special form for applying for your credit report if you are a sole trader.

Equifax don't seem to have this. If you want a report on your Business address and you are a self employed sole trader, how do you obtain a report on your Business/Office address through Equifax. Can you just use the regular form?

michilin27

I would contact the CRA concerned right away. The agency will contact the organisation(s) that provided the data and delete the account.

[/QUOTE]

Re: J Bloggs
We would like to confirm that your request regarding the addition of a Notice of Disassociation to your report has been actioned, and we confirm that we have amended our records accordingly.

This simply means that no financial information relating to the above individual will now appear on your Credit Report, and vice versa.

ok, so this is the reply i got- i assume it means my mums account will be removed from my file? i havent got an alert to say there has been a change

thanks again

Moggles_2

Originally Posted by michilin27
I assume it means my mums account will be removed from my file? I haven't got an alert to say there has been a change.

If you ring the agency quoting the reference number and date of your credit report, staff may be able to confirm this over the phone for you