Experian Data

Axon75

Hello
I applied for some bank accounts and I didn't use exact addresses and dates I lived there, to avoid having to submit documentation etc, which I don't have.
Is there anything bad with it?

Also, I think now that Experian has information that is false, is there a way to fix this?

thanks!

Ben8282

Yes there is something bad with it. It is fraud.
There is no way to fix this unless you can prove that you were not of sound mind when you made the fraudulent applications. You probably have a CIFAS marker as well.

Axon75

I think you're too drama queen

anyway, anyone know how to access my experian data and maybe how to alter it?

[Deleted User]

You can access it by getting the £2 statutory report.

chuckley

You've provided false info to x amount of companies to attain accounts, now you're complaining experian holds the wrong info on you?

That's the least of your worries, You'll have a CIFAS marker in no time.

SnowTiger

Axon75 wrote: »

I think you're too drama queen

anyway, anyone know how to access my experian data and maybe how to alter it?

Your application data may have been sent to National Hunter. It checks applications for inconsistencies.

You can request access to your Experian Statuary Report here. You probably won't be able to get anything on it changed if it's factual and accurate.

Axon75

Do I still have to pay these idiots?
Does this offer give me the statuary report too? http://www.topcashback.co.uk/credit_expert_free_experian_credit_report/

SnowTiger

Axon75 wrote: »

Do I still have to pay these idiots?
Does this offer give me the statuary report too? http://www.topcashback.co.uk/credit_expert_free_experian_credit_report/

No, that's for their £14.99 a month service which includes fluffy extras.

Howewer it does provide access to the same information that's on your Statutory Report and the first month is free for new customers.

If you use it, don't forget to cancel within 30 days.

YorkshireBoy

If the bank accounts were only applied for very recently I'd hold off getting the report just yet, just in case the 'Material Falsehood: Facility Granted' (category 3 I believe*) CIFAS markers don't appear quickly.

Maybe wait a month or two, and then obtain all 3 CRA files.


* If any were refused they will be category 4.

Axon75

I applied to that £14.99 a month bullsht
It says that my score is poor 600, mainly because I applied 6 times lately for credit, while I applied for STUPID NORMAL BANK ACCOUNTS!!! I WILL NEVER APPLY FOR LOAN/CREDIT CARD!!!! I have no need to borrow money! I don't use overdraft from my bank accounts and I don't have credit cards. I only applied for mobile contract, not because I dont have the money, but because it was a good deal! And I applied for bank accounts, not for the overdraft, but to take advantage of the interest! THIS IS A JOKE!

msallen

Axon75 wrote: »

I applied to that £14.99 a month bullsht
It says that my score is poor 600, mainly because I applied 6 times lately for credit, while I applied for STUPID NORMAL BANK ACCOUNTS!!! I WILL NEVER APPLY FOR LOAN/CREDIT CARD!!!! I have no need to borrow money! I don't use overdraft from my bank accounts and I don't have credit cards. I only applied for mobile contract, not because I dont have the money, but because it was a good deal! And I applied for bank accounts, not for the overdraft, but to take advantage of the interest! THIS IS A JOKE!

Oh dear! Realising what an idiot you've been now are you?