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Equifax account locked...please help
IvyFlood
Posts: 341 Forumite
Hello
Me and my partner are applying for an Agreement in Principle this Saturday for the second time. The first time we signed up to Experien free trial to check our credit scores then cancelled.
The second time round obviously we couldn't do this so we have used Equifax instead. I registered fine and got my report. When my partner registered, he put the postcode on one of our former addresses incorrect by accident. When we realised he 'went back' on the browser but the page had dissapeared so he tried to register again. Now its saying they cant activate his account. We rang them and they said he needs to provide proof of ID (passport) and proof of address (bank statement). We uploaded these documents onto their portal straight away but it says it will take up to 24 hours to hear back.
I am really concerned this could have a negative impact on us getting a Decission in Principle. I'm sure his actual credit report is fine/unchaged as mine was but will the account he is trying to register with to access the report be an issue to lenders? Could there be a suspicion of fraud?
Im so worried about it so i'd appriciate any advice, thank you
Me and my partner are applying for an Agreement in Principle this Saturday for the second time. The first time we signed up to Experien free trial to check our credit scores then cancelled.
The second time round obviously we couldn't do this so we have used Equifax instead. I registered fine and got my report. When my partner registered, he put the postcode on one of our former addresses incorrect by accident. When we realised he 'went back' on the browser but the page had dissapeared so he tried to register again. Now its saying they cant activate his account. We rang them and they said he needs to provide proof of ID (passport) and proof of address (bank statement). We uploaded these documents onto their portal straight away but it says it will take up to 24 hours to hear back.
I am really concerned this could have a negative impact on us getting a Decission in Principle. I'm sure his actual credit report is fine/unchaged as mine was but will the account he is trying to register with to access the report be an issue to lenders? Could there be a suspicion of fraud?
Im so worried about it so i'd appriciate any advice, thank you
0
Comments
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You'll be fine.
Use Clearscore for Equifax dats it's free as is Noddle for Callcredit, this site has a free one for Experian too.0 -
Will that be ok to do? It wont look suspicious that we are checking another one? That one won't get blocked will it? I don't want to make the problem worse!You'll be fine.
Use Clearscore for Equifax dats it's free as is Noddle for Callcredit, this site has a free one for Experian too.0 -
Remember your score is only seen by you and you alone, lenders etc can only see the history.0
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The score is meaningless.
You should know if your files contain any bad info such as late payments, defaults, ccj's etc. If you believe everything is ok then it probably is.
It is a bit late now do anything about errors on your credit files before Saturday so forget about it and just go ahead and apply.0
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