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  • FIRST POST
    • murrays2
    • By murrays2 10th Nov 19, 9:17 PM
    • 82Posts
    • 4Thanks
    murrays2
    National Hunter Data
    • #1
    • 10th Nov 19, 9:17 PM
    National Hunter Data 10th Nov 19 at 9:17 PM
    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
Page 1
    • DCFC79
    • By DCFC79 10th Nov 19, 9:39 PM
    • 35,251 Posts
    • 22,248 Thanks
    DCFC79
    • #2
    • 10th Nov 19, 9:39 PM
    • #2
    • 10th Nov 19, 9:39 PM
    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
    Originally posted by murrays2
    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.
    Last edited by DCFC79; 10-11-2019 at 9:42 PM.
    • Ben8282
    • By Ben8282 10th Nov 19, 9:39 PM
    • 3,943 Posts
    • 2,151 Thanks
    Ben8282
    • #3
    • 10th Nov 19, 9:39 PM
    • #3
    • 10th Nov 19, 9:39 PM
    I believe that you are worrying needlessly.
    • murrays2
    • By murrays2 10th Nov 19, 9:45 PM
    • 82 Posts
    • 4 Thanks
    murrays2
    • #4
    • 10th Nov 19, 9:45 PM
    • #4
    • 10th Nov 19, 9:45 PM
    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
    • By Ben8282 10th Nov 19, 9:51 PM
    • 3,943 Posts
    • 2,151 Thanks
    Ben8282
    • #5
    • 10th Nov 19, 9:51 PM
    • #5
    • 10th Nov 19, 9:51 PM
    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?
    Originally posted by murrays2
    No. Stop worrying.
    • boo_star
    • By boo_star 11th Nov 19, 12:08 AM
    • 2,824 Posts
    • 2,172 Thanks
    boo_star
    • #6
    • 11th Nov 19, 12:08 AM
    • #6
    • 11th Nov 19, 12:08 AM
    No. Stop worrying.
    Originally posted by Ben8282
    Exactly, you're worrying about shades of grey, NH deal in black and white.
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