Credit identification error

Vicki5657

Hello,

I am hoping someone can help me. 

I am 24, but since the age of 18 my bank thought I was 14 for 4 years, with the complete wrong date of birth. This has now been rectified   This has majorly affected my credit score and credit checks etc. 

I have several credit agreements with various different suppliers, including a mortgage with my boyfriend. With any credit agreements I have, I pay them back fully every single month, I don’t ever miss a payment. 

I have tried to get an Experian credit report but I cannot be identified. I can only be identified via Equifax where I have to pay around £15 a month just so I can view credit report on the odd times that I need to. 

However, my credit score is so low. I am absolutely fed up and I don’t know who else to ask now. 

I really hope to get some insight on this. 

Thanks!

Nasqueron

Your credit score is a gimmick, no lender ever sees it, low or high is irrelevant. If your date of birth is now right and you have a solid history of paying on time, then is there an issue now with you getting credit?

You don't need to pay equifax anything, you can use Clear Score for free or they have to supply your record file on demand for free

MEM62

Vicki5657 said:

I am 24, but since the age of 18 my bank thought I was 14 for 4 years, with the complete wrong date of birth. This has now been rectified   This has majorly affected my credit score and credit checks etc. 

If it has been corrected, what on-going impact is it having?  

Vicki5657 said:

This has majorly affected my credit score and credit checks etc. 

In the UK you do not have a credit 'score'.  Other, that is, than the randomly generated number that CRA's produce for entertainment purposes and for the amusement of those that collect numbers.  That aside, as above, what impact are you experiencing on your credit standing? 

Vicki5657 said:

I can only be identified via Equifax where I have to pay around £15 a month just so I can view credit report on the odd times that I need to. 

No you don't.  You do not need to subscribe to any CRA to view your credit history.  It is available free from all of them and you can cancel your subscription. 

Vicki5657 said:

However, my credit score is so low. I am absolutely fed up and I don’t know who else to ask now. 

Cheer up.  No need to feel fed up about a meaningless score'.