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Credit file inaccuracies
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custhasno
Posts: 7 Forumite
I am trying to contact the 3 CRA's after a lender has upheld my complaint but entered administration before they updated my file and removed the defaults (as they agreed to in the response to me).
I notice that all three seem to be wanting me to buy a report from them and then reference this report. Is that a requirement? I use "check my file" and don't want to get caught with extra costs to be able to raise the issue using a experian/equifax/TU reference number.
I notice that all three seem to be wanting me to buy a report from them and then reference this report. Is that a requirement? I use "check my file" and don't want to get caught with extra costs to be able to raise the issue using a experian/equifax/TU reference number.
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You can obtain a statutory credit report from each CRA.
You may have to search for the links to it.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter1 -
This MSE article contains links to check all 3 of your CRA reports for free: https://www.moneysavingexpert.com/loans/check-free-credit-report/I must admit I'm not sure how you would get the default removed. The usual reply is that only the lender can remove it, by sending updated information to the CRA - the CRA themselves cannot amend data, they simply report on the data that's supplied to them by lenders. If the lender is no longer trading, I'm afraid I don't know what the correct procedure would be. I guess you could send a copy of the correspondence you received from the lender to the CRA and see what they say?
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