How to obtain credit reports

sfax

experian.co.uk - Get Your Statutory Credit Report on the right hand side (Ctrl-F "stat")

Cranny44

Ahh thanks couldnt see it for looking...

crystal_clear

crystal_clear wrote: »

Hi
I recently checked noodle credit file for my OH as he had applied for his 1st credit card ever (doesnt have any credit other than a previous guy at work selling tools on weekly credit all paid well and settled years ago). He was refused the credit card on grounds something came upagainst him on credit file.

Noodle to his horror have listed 3 small but bad payment history accounts dated back to and taken out 2011 these are infact accounts our son had taken out in sons name (they share the same name) but on noodle they have listed as OH date of birth.

Having an Experian credit report in hand from July 2012 for OH there is no mention of any of these 3 accounts or payment histories or searches and an excellent report with there 966 score.

Our son hasnt used his fathers details only his own so how do i go about getting this all cleaned up and off OH credit file and back on sons. Also is it not illegal for them to change D.O.B details in the way they have to discredit the OH for something he knows nothing about ?

Crystal clear

Anyone have any ideas how to correct this false info...... dont even have addresses of these companies to request a copy of credit application... OH has applied for the £2 report to be posted from Equifax see if that will help with any further info.

Crystal clear

Tixy

crystal_clear wrote: »

Anyone have any ideas how to correct this false info...... dont even have addresses of these companies to request a copy of credit application... OH has applied for the £2 report to be posted from Equifax see if that will help with any further info.

Crystal clear

OH needs to contact noddle/call credit to dispute the entries - they should then take the dispute up with the relevant creditors and ultimately they should be removed.

Errors like this do happen when names are linked in error - not uncommon when people have the same name/ same address or eg for twins with the same date of birth. Usually easily sorted with time.

xdarata

We should get the report of our credit activity for free one time a year. It is according to the rules. We have to pay if ask for it for two or three times a year. Thank you.

kayleemegn

Most trusted and best way to get your credit report for is to go to Freecreditreport.com. They will provide you the credit report from all three credit bureaus. There you will begin your 7-day trial membership. If you don't cancel it within the 7-day trial period, you will be charged $16.99 for each month.

Experian_company_representative

kayleemegn wrote: »

Most trusted and best way to get your credit report for is to go to Freecreditreport.com. They will provide you the credit report from all three credit bureaus. There you will begin your 7-day trial membership. If you don't cancel it within the 7-day trial period, you will be charged $16.99 for each month.

If you live in the USA!

James Jones

Experian_company_representative

nesssie1702 wrote: »

Why are CreditExpert looking to charge me £14.99 a month to access my credit report?

All I want to do is have a quick squint at my current status.....

That service, CreditExpert, has all sorts of other benefits. If you just want a one-off view of your credit report data then you probably just need to order a statutory £2 Experian report.

James Jones

mortgage_agent

one of the tips that work to build a good credit is to keep your balance below 80% of the limit. Of course pay your monthly statements on time!

mankarni

bbfc wrote: »

I cancelled my CreditExpert membership and it was 'actually' cancelled yesterday (so I can no longer access it). In their email it said all I had to do to re-activate my membership was login and they would do it automatically (how nice of them). Later that day I received an Alert email and that there had been a change to my credit report and all I had to do was log into to see it.

Do they think i'm stupid? I think this is an easy way for them to sign be back up. As soon as I log in the membership would be reactivated.

Not impressed.

I guess Once you relogin to check your report after the expired free trial. You should be given options to understand the payment obligations again and choose to pay with a credit card again. I asked this when I cancelled my Membership and the person on phone said so...
Experian Company Representative Please confirm this ????