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Alternative Equifax Report
Superhoopza
Posts: 604 Forumite
My clearscore report has removed all my accounts (loans and credit cards) so was wondering if anyone knew a reliable free credit report which uses Equifax, so I can see if its a clearscore issue or Equifax issue?
Thanks
Thanks
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Ask Equifax for your statutory report
https://www.equifax.co.uk/Products/credit/statutory-report.html
And maybe ask them why it's goneSam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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I have received a demand from a dept. recovery firm stating I owe £2400 on a "Linked" address, I Have never stayed at this address, (same name and date of birth) I contacted Equifax who raised a query with firm. they have just replied that the information they hold on me is correct, and no change will be made to my credit report. my credit rating has gone from 840 to 520.Equifax says the case is now Resolved, .What can I do to get this corrected?0
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You speak to whoever reported the debt as they put it on, Equifax are correct, they cannot change it as they are reporting what they are toldPinstripe233 said:I have received a demand from a dept. recovery firm stating I owe £2400 on a "Linked" address, I Have never stayed at this address, (same name and date of birth) I contacted Equifax who raised a query with firm. they have just replied that the information they hold on me is correct, and no change will be made to my credit report. my credit rating has gone from 840 to 520.Equifax says the case is now Resolved, .What can I do to get this corrected?
Ignore the fake scoreSam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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Post on the debt free wannabee board as its not a credit file issue, they are saying you owe money that you say you don`t owe, therefore there is a process to go through to determine if there is liability here or if a fraud has been committed, either way it needs to be dealt with directly with the company chasing you for money, and not the CRA.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-letter0
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Pinstripe233 said:I have received a demand from a dept. recovery firm stating I owe £2400 on a "Linked" address, I Have never stayed at this address, (same name and date of birth) I contacted Equifax who raised a query with firm. they have just replied that the information they hold on me is correct, and no change will be made to my credit report. my credit rating has gone from 840 to 520.Equifax says the case is now Resolved, .What can I do to get this corrected?
Do you owe the debt?
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