We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
Credit Report
ljstronge
Posts: 4 Newbie
I have just seen my credit report for the first time and I am a little confused as to what is on it.
I have a 2 CCJ's listed (both are the same?) and both are with Northampton county court - the same amount, £375, the same case numbers etc.
Then when I look into the Account info bit - I have my current bank account and Virgin media which are fine, then I have my loan with HSBC which is now settled.
I then have an account with CL Finance - I have phoned these and this is the debt from the CCJ that has been passed on - but even though I am paying it £10 a month and havn't missed a payment - it says I am behind by 8 payments and it is in default?
I have phoned them and they said it will not change on my credit report until it is paid and I have sent a certificate to the court to say so.
I then have a account with Atkiv Kapital, for the SAME amount, this is clearly the sam account that has been passed around - this says I have defaulted on it also.
How do I get these 2 things of my credit report??
I have three things on there that are all for the same thing? - I am paying it off but all 3 say I am not paying them off.
I have a 2 CCJ's listed (both are the same?) and both are with Northampton county court - the same amount, £375, the same case numbers etc.
Then when I look into the Account info bit - I have my current bank account and Virgin media which are fine, then I have my loan with HSBC which is now settled.
I then have an account with CL Finance - I have phoned these and this is the debt from the CCJ that has been passed on - but even though I am paying it £10 a month and havn't missed a payment - it says I am behind by 8 payments and it is in default?
I have phoned them and they said it will not change on my credit report until it is paid and I have sent a certificate to the court to say so.
I then have a account with Atkiv Kapital, for the SAME amount, this is clearly the sam account that has been passed around - this says I have defaulted on it also.
How do I get these 2 things of my credit report??
I have three things on there that are all for the same thing? - I am paying it off but all 3 say I am not paying them off.
0
Comments
-
As far as i know.. only the debt management/companies can take things off your report, the credit reference company (Experian/Equifax etc.) can look into things if you phone them, but again I think it ultimately lies with the company you owe money to... I'm sure someone with more knowledge will be along soon...Proud to have dealt with with my debts
Debt free from 18th March 2013, long may it continue!0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.1K Banking & Borrowing
- 254.3K Reduce Debt & Boost Income
- 455.3K Spending & Discounts
- 247.1K Work, Benefits & Business
- 603.7K Mortgages, Homes & Bills
- 178.3K Life & Family
- 261.2K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards