CIFAS is recorded against the address quoted on the application that the lender received. It isn't moved if the individual named on that application subsequently moves address, as it's used to protect other people at the address as the address could be the target of other potentially fraudulent applications. Lenders cannot decline applications on the basis of CIFAS although they will use this as a reason to ask for proof of residency and ID from whoever makes an application from the address with CIFAS listed there, regardless of who was named on the CIFAS entry.

I'm afraid that if you're asked for extra info then you will have to provide this. Resistance is futile and will only lead to further delays in receiving the information that you are after. I guess that whatever triggered your initial report application to result in you being asked for proof of ID is still an issue now, hence the same request being made in relation to your new application. It's possible that if some sort of fraud has been committed at the address or a dodgy credit application made at some stage that they will always ask for documents from any applicant at that property.

Default will come off your file in Jan 2011 regardless of whether you pay the balance or not. The difference would be that if you pay it then the account should be updated to show that the balance is satisfied, rather than showing you still owing the debt. If you intend on making any applications before Jan 2011 then it would definitely be advantageous to clear the balance and making sure the default is updated before applying.

It means you have no credit at your current address but would need to provide the CRA with your previous addresses in order for the report to include any credit data in your name at those. The report will only contain the information at the address(es) you submit to the CRA, plus any address links. You need to ask the CRA to include your previous address on an updated report or re-apply, this time providing all your addresses. As long as you give your full name, you should get all the data in any minor variations of your name (such as middle initial only or no middle name or initial).

I believe a delinquent account is an account that is two or more months late/behind for three consecutive months. This is not the same as a default, as a default only occurs when the account has been terminated by the lender due to non-payment and they then attempt to pursue the full amount. Your 3G account, if defaulted, would not be one of the delinquent ones I don't think. Lenders won't count delinquent accounts as defaults, but obviously delinquent accounts are not good either as it means you're behind with payments for at least 3 months on those accounts.

As long as the default shows as being satisfied (paid off) and no arrears owed you should be fine with a mortgage application. Most mortgage companies will only be concerned if you have defaults or accounts currently behind with payments. Mortgage applications actually tend to be easier to be accepted for than things like credit cards or unsecured loans because the mortgage is secured against the property so it's fairly low-risk for the lender in comparison to say a 0% credit card or a big unsecured loan.

Thanks for the update. Good to know that things are still progressing.

Just been reading this thread with interest. What's the latest news? I see on P9 there is a post showing documents from Peterborough County Court saying the Experian hearing was set for 9 March at 12:30. Surely there must be some news on this, as isn't this what all the donations have been towards? I thought this was d-day? I can't see anything else suggesting the case is not going ahead, unless they settled with UK26 or UK26 dropped the case?

Seems to be a few confused people here... My understanding is that the default date means the date the account is terminated due to non-payment, not the date you missed one payment. Need to be careful to distinguish between the two as they are not the same. A record of a late/non-payment will remain on the account for three years if the account continues to be in use, as the CRA's only detail the previous 36 months payment history. If the account is settled within the 36 month period after a late/non-payment was made then a record of the late/non-payment will be displayed for six years from date of settlement. However, a record of a solitary late payment, to my mind, is much more preferable than defaulting on an account altogether. As you know, once an account is defaulted/terminated the chances of being accepted for anything else are pretty slim.

Default date

Yes, OUSBA do report to CRA's. Not sure which ones though. Could be all 3.

Possibly to promote competition! Imagine how much a CRA could charge the lenders for information if there was only one of them. This would then probably translate into us, the consumers, being charged big fees for processing credit applications etc. I also think the monopolies and mergers commission would be a little bit put out if there was only one CRA, unless of course, this was a government run organisation.

Hi there, I got account numbers with my SAR too and there were a few that didn't tally with the account numbers I had, but it was obvious that the account info was my account. According to my bank, they don't send the account number as it appears to me on my statements for security reasons. I personally think this is a good thing as it means that my actual account number for those accounts can't be seen by anybody apart from me and my bank.

I guess it depends on how companies or your council supply your address to the CRA's. If they're supplying it in different formats then I guess that makes it difficult to retrieve all your information without processing 2 variations of the address. I suppose the important thing is to make sure that you always give your address in the same format. Also, if you ask the CRA's to process your report in both variations that should link the two versions together so then lenders should see all the info if they don't already.

I believe it depends on how your address is provided or input. Sounds like it has been processed in a different way on the first report to the second report resulting in different info coming back. You perhaps need to ask them to key your report using both address variations so that all the data comes back.

The older the debts the less of a factor they become. I think lenders use some sort of system where as long as the debts have been paid (satisfied) that the older they are the less bothered they are about them. I guess in the case of the car leasing company they turn a blind eye to debts over 3 years old.

James, a lot of companies will put in the original credit application that they reserve the right to pursue you for any outstanding debts in the event of the contract being terminated due to non-payment or dispute etc. Because of this, when a company sells a debt onto a DCA, your consent to the original company with whom you made the agreement transfers to the DCA. This is because it is considered that doing searches on you to find where you might be living is a legitimate way of pursuing the debt. I know you might not agree with this but I think that's why it is considered an acceptable practice. Hope this helps

Searches are automatically deleted after 12 months so the info you refer to cannot be a search. It could be something like an 'association' if you applied jointly for something or a link to another address but these things don't affect your credit score.

Hey Dollydoo, The only search a company could/should do in relation to a savings account is an ID check so they know you're living at the address you are providing. (I know this sounds a bit strange when you're an existing customer but that doesn't seem to be taken into consideration) Anyway, ID checks are not seen by companies when you apply for credit, so therefore this should not affect your credit rating.

Defaults are removed automatically after 6 years from the default date so you won't need to chase this up.... not unless the default date mysteriously changes to a later date!