National Hunter Data

murrays2

I am applying for a mortgage soon, and doing my research now for putting me in the best possible position pre application.

I have read about this National Hunter agency.

Long story short, I took out a mobile phone contract with a company called Ratesetter three years ago. They were reporting my address incorrectly to the credit reference agencies. They have admittes this was a mistake on their part - data input. They rectifies it and communicated my correct address to the agencies and it has been cleared up on my reports.

What are the chances however this different address has put marked on National Hunter?

Since then I have opened up two credit cards with no issues, and opened a 1.5k overdraft with my bank.

Would it be worth putting in an SAR to see what data NH have on me if any? Just mindful as I am going for a mortgage and don't want to be rejected over something stupid.

Like I said I am not having problems getting credit, and I have no CIFAS markers on any of my reports. Am I worrying needlessly?

Thanks

DCFC79

murrays2 wrote: »

I am applying for a mortgage soon, and doing my research now for putting me in the best possible position pre application.

I have read about this National Hunter agency.

Long story short, I took out a mobile phone contract with a company called Ratesetter three years ago. They were reporting my address incorrectly to the credit reference agencies. They have admittes this was a mistake on their part - data input. They rectifies it and communicated my correct address to the agencies and it has been cleared up on my reports.

What are the chances however this different address has put marked on National Hunter?

Since then I have opened up two credit cards with no issues, and opened a 1.5k overdraft with my bank.

Would it be worth putting in an SAR to see what data NH have on me if any? Just mindful as I am going for a mortgage and don't want to be rejected over something stupid.

Like I said I am not having problems getting credit, and I have no CIFAS markers on any of my reports. Am I worrying needlessly?

Thanks

You sure it was a phone contract ?
Ratesetter are a peer to peer lender, dont recall them being in the phone contract business.

Irrespective of that, yes you could be worrying needlessly, don't think it will cost you anything, a little longer process compared to Cifas from what Ive read.

Ben8282

I believe that you are worrying needlessly.

murrays2

Yeah, it was with Ratesetter. It was for a mobile phone via Giffgaff.

Also, when checking my credit file, I noticed last year TalkTalk had been reporting my account name incorrectly to the agencies. I had tried for months to get them to change this, they misunderstood me when signing up. They eventually did after talking to their fraud department. They rectified the account name correctly and changed it, updating the agencies, but is this also likely to show on something like NH?

Ben8282

murrays2 wrote: »

Yeah, it was with Ratesetter. It was for a mobile phone via Giffgaff.

Also, when checking my credit file, I noticed last year TalkTalk had been reporting my account name incorrectly to the agencies. I had tried for months to get them to change this, they misunderstood me when signing up. They eventually did after talking to their fraud department. They rectified the account name correctly and changed it, updating the agencies, but is this also likely to show on something like NH?

No. Stop worrying.

boo_star

Ben8282 wrote: »

No. Stop worrying.

Exactly, you're worrying about shades of grey, NH deal in black and white.

whitepaper

Nice to see that National Hunter were so repaid in returning your SAR. 16 days tops, whereas it usually takes (and they agree it can take) up to a month :T

https://forums.moneysavingexpert.com/discussion/6075078/national-hunter-report-received-incorrect-bank-details

Concerning to see that a lender such as RateSetter lent you money despite having the incorrect address for you; I would have thought an incorrect address on the application would have thown up a huge 'computer says No' to an application to borrow money as soon as they credit checked you, which they surely would have.

Anyway, the purpose of bumping this thread, now you have received the SAR from NH, is to ask if the erroneous difference in name that Talktalk were previously billing you under, until you finally managed to get them to change it, was reflected at NH?

Usually, different names under which credit agreements are considered are simply reflected as aliasses within a credit history report.

Many people often have alliasses on their credit reports

e.g. Robert Smythe

may have the following aliasses:

Robert Smith
Bob Smith
Bob Smythe
Rob Smith
Rob Smythe

etc.
Sometimes they even have with and without a title, such as Mr.

It wouldn't usually cause any issues

murrays2

The report is quite basic from NH.

It shows you a recent check in my case opening a Santander help to buy isa in September.

It then lists your personal information, address, bank account, phone number and any previous addresses.

Report just says status is clear beside all sections.

whitepaper

murrays2 wrote: »

The report is quite basic from NH.

It shows you a recent check in my case opening a Santander help to buy isa in September.

It then lists your personal information, address, bank account, phone number and any previous addresses.

Report just says status is clear beside all sections.

So it had your correct bank account details anyway, plus your HTB ISA account?

You didn't mention that in your thread of today linked to above.

murrays2

No it only had my help to buy isa details listed.