Help with Credit Reports/CCJ

stan77

Hi everyone

I recently applied to all 3 credit reference agencies (Experian, Equifax and CallCredit) and am baffled as to why Equifax had my full credit history (credit cards, catolgues, mortgage/loans and electoral details) however CallCredit had only 60% of the detail and Experian had nothing except sketchy details on electoral register. Is this usual?

If a credit card company uses Experian to do a credit search on me, would I fail having apparently no credit history?

Also, Equifax have a CCJ entry on my report relating to my daughter who left home 4 years ago. It is dated 2 years ago shows her current address, not mine. I can't understand this, is she financially linked to me? Does this sound like an error and how can I go about getting it removed.

I have been refused credit cards for the last 2 years and am wondering if this is the reason why as I had no problems getting credit prior to this.

Any help would really be appreciated as i could do with a new credit card deal right now.

jay78

stan77 wrote: »

is she financially linked to me?

Only you can answer this. What does the information say? If you have never been financially linked then you should be able to get that CCJ removed. CCJ's look bad and may almost certainly be the reason you have been getting declined (assuming everything else is in order).

As with Experian, most lenders check the Experian credit report. The reason you may not have any information could be to do with something as simple as how your address is stated (you mentioned something about sketching electoral role information).

A 'blank' credit history is something that may also lead to a declined credit application. You can contact Experian to rectify it, but bear in mind the ccj may also turn up on the report.