Incorrect defaults on my file

Arleen

This will be unpleasant, but I think it's much needed reality check.

abzilla wrote: »

I'd have to agree with Gingerbob. I can see where your coming from but to me the facts are:

- My credit file has been tarnished as a near bankrupt individual with no means of repayment when this was not the case.

- I've had to live with high interest rates on a large number of loans.

No one forced you to take out debt, especially on payday rates. What financially responsible people do is live within their means, and save for rainy days to not have to be vulnerable to them. Additionally, with no credit history, which is where you have started, you wouldn't get any lending besides payday loans anyway.

abzilla wrote: »

- I've seen my dad's personal information which is a breach of data protection.

Then your dad can go and complain about it, not you.

abzilla wrote: »

- Over the last two years my partner has had to take out finance for our car as when I applied for credit I was offered it at £6000 for the car and pay back £12000. She's actually been thinking I've been lying about how bad my situation was and I've told her everything.

No one forced you to take out credit. Learn to live within your means, and meaning of the phrase "it's too expensive, I can't afford it right now" which would lead to much cheaper, used, a car you could get with couple months of savings.

abzilla wrote: »

- I've had callcredit reports since about 2013 and Equifax reports since mid 2016 paying £9.95 - neither have shown these credit cards yet show pretty much the same credit score as Experian.

That is because those agencies are independent and most accounts are reported with only single one. A bit of research would've shown you that.

abzilla wrote: »

- When I was 17 I was challenged by an employer over CCJs that were incurred in 2005. I would have been 11-12 years old to get this at that time.

And yet you didn't feel the need to investigate it back then. Whose fault is that?

abzilla wrote: »

- When I was running a limited business with a limited business bank account that was turning over 400k a year I had to push for a 1k over draft which I initially was declined along with no ability to get any loans.

You had to push for the 1k overdraft because you didn't manage your finances and lived outside of your means.

abzilla wrote: »

- I was generally afraid doing the pre-employment checks when I got my job in a finance company 3 years ago. A few months ago I got headhunted and was heading over to another finance company which I was once again terrified I'd get refused the job due to my credit file.

That is why you should've investigated your credit file a long time ago.

abzilla wrote: »

In a nutshell this has really screwed me. And the fact that my dad's name is on the defaulted payments on my credit file and his date of birth is on there even though it clearly states my date of birth on the credit file itself. It even says I'm associated with my mum when I'm not at all.

And that will be fixed now since you've finally put effort into resolving it.

abzilla wrote: »

The 2k was to consolidate the debts I had at the time which if any other person applied for in a similar situation I feel would have been accepted as I had all the means to pay and prove this.

No they wouldn't. Consolidation loans almost never work and people wind up defaulting on those all the time. And the reason for it is very simply - it administers a single painkiller and does nothing to trreat the underlying cause for those debts.