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How do I get things removed from my credit report
Garethjj7
Posts: 4 Newbie
Hi, I was wondering if anyone can help me and give me some information on how to get things removed from my credit report?
thanks
thanks
0
Comments
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it depends on what the 'things' are. Are they incorrect?I’m a Senior Forum Ambassador and I support the Forum Team on the Pensions, Annuities & Retirement Planning, Loans
& Credit Cards boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com.
All views are my own and not the official line of MoneySavingExpert.0 -
Hi
As MallyGirl suggests, we’ll need more information on what you want to remove you’re your credit file and why before we can offer any advice.
James
@natdebtlineWe work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps0 -
It looks like I have a account in default with studio card, although I'm sure I never had an account with with them, I know my ex partner did but that was over ten years ago and that was in her name not mine0
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If it’s for a debt that you dispute and you think it’s completely wrong you should be able to get it removed from your file. You can raise a dispute through the credit reference agency, and you can also contact the creditor directly.
There’s also the possibility of identity fraud, so if Studio are insisting it’s your debt request proof from them that you owe it. If there’s an agreement in your name but you’re sure you didn’t take it out you can report the fraud to Action Fraud.
Ultimately, if Studio will not correct your credit file you can complain to the Financial Ombudsman Service (FOS) and Information Commissioner’s Officer (ICO). Make sure you check your credit reference information held by Experian, Equifax and Call Credit to get the full picture.
James
@natdebtlineWe work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps0 -
I wish you luck, I have contacted all of those organisations above about 3 reports that should never have been on my file, 18 month later I still not got very far, as I am 75 years old I think they are stringing it out in the hope I will die soon to stop annoying them0
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