How do I dispute my credit score/file?

edited 28 October 2018 at 1:48PM in Credit File & Ratings
5 replies 766 views
ollyhawkollyhawk Forumite
1 Post
edited 28 October 2018 at 1:48PM in Credit File & Ratings
When I was 17/18 I opened a Barclays bank account, at the time she managed to sell me on tech insurance I said sure. Granted I was unemployed.. I had no idea it would continue to be taken out my bank when I had no money in my account. A long time passed after loads of missed payments on my file and early this year I disputed the bank to wipe the debt away and dispute my case of why I shouldn't pay, I was unsuccessful and I should of gone to an ombudsman. I'm now 22 and my credit score is terrible, can't even get a very or argos card. Clearscore says my credit score is 165..

Should I go to an ombusman or is there a way I can dispute my credit file?

Apologies if this is a dumb question. Just in a desperate situation. Thanks everyone!

Replies

  • Willing2LearnWilling2Learn Forumite
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    Hi ollyhawk and welcome to the forum :)

    What do you mean by 'tech' insurance?

    You can only escalate to the FOS, once you have exhausted the complaint procedure with Barclays. I suggest that you make a formal, written complaint to Barclays. Only if and when the complaint is at deadlock (max eight weeks duration), can you escalate to the FOS.
    I work within the voluntary sector, supporting vulnerable people to rebuild their lives.

    I love my job

    :smiley:
  • [Deleted User][Deleted User] Forumite
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    MoneySaving Newbie
    You would have signed an agreement to the charges so you’re responsible for paying them.

    Of course the payments would still be taken.

    You can try and raise a complaint but don’t expect it to get very far
  • jimbo26jimbo26 Forumite
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    You signed up to the insurance so you had to pay it. I think it would be a waste of your time going to the Ombudsman.

    You need to concentrate on building a good credit history. Get copies of your file from the main 3 CRA's and check that all the data is correct and up to date. Make sure you are on the electoral roll.

    Get a credit building credit card and make a small purchase each month, paying off in full each month.

    Your score, although made up by Clearscore would indicate there is more negative info on your file than the Barclays account.
  • DCFC79DCFC79 Forumite
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    Hi ollyhawk and welcome to the forum :)

    What do you mean by 'tech' insurance?

    You can only escalate to the FOS, once you have exhausted the complaint procedure with Barclays. I suggest that you make a formal, written complaint to Barclays. Only if and when the complaint is at deadlock (max eight weeks duration), can you escalate to the FOS.


    Sounds like some insurance for tech eg mobile phone.
  • DCFC79DCFC79 Forumite
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    ollyhawk wrote: »
    When I was 17/18 I opened a Barclays bank account, at the time she managed to sell me on tech insurance I said sure. Granted I was unemployed.. I had no idea it would continue to be taken out my bank when I had no money in my account. A long time passed after loads of missed payments on my file and early this year I disputed the bank to wipe the debt away and dispute my case of why I shouldn't pay, I was unsuccessful and I should of gone to an ombudsman. I'm now 22 and my credit score is terrible, can't even get a very or argos card. Clearscore says my credit score is 165..

    Should I go to an ombusman or is there a way I can dispute my credit file?

    Apologies if this is a dumb question. Just in a desperate situation. Thanks everyone!


    Dont worry about your score.


    Whats exactly on your report ?


    You dont need an Argos/Very card, get yourself a subprime card eg Aqua or Capital one.
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