An interesting situation with Equifax today. I received a " change in report " alert this morning 17/10/2014 regarding two accounts being settled, indeed both show as settled on 19/10/2007 the update is shown a 16/10/2014. Experian has the same data?????

I recently found out after a SAR request to a DCA that at least Experian provide more information about credit applications than we can see on our reports ! There was info about Employment Status, Number of Dependants and Property Value - none of this is shown on the credit reports Anyone know how they get this info and why it isn't shown on a typical report ?

Hello my situation is as follows. I have recently managed to pass the 6 year mark on most of my two relatively small debts. I have a CCJ that was paid but remains unsatisfied on my CRA that is just over 5 years old. My partner and i are looking to apply for a mortgage we have as a deposit £17 - £20,000. I was thinking about the CCJ and i remember years ago i was sent a letter by Northumbria water threatening to take it to court and i managed to prove that it had been paid. Could they have still sought judgement on this? I have no paperwork left to prove that i paid it, but it was at a time when i was living with friends in student accommodation and because they were late getting their chunk and i didn't have the full amount we got the late letter and CCJ threat. I would ideally like this to come off my CRA file but at the least have it satisfied, i was annoyed that it is in just my name as their were 4 names on the account. I would appreciate any help and advice in how to move forward so that my CRA file can be in its best state applying for a mortgage.

CCA Letter sent to Aktiv Kapital. Let's see if they reply. Barclaycard assigned debt to Aktiv Kapital April 2011 £2,789

Upshot is this, Driver of vehicle parks, on a PE operated car park with a 2 hours limit. Driver leaves after 2hrs 12 mins Parking Eye send a Parking Notice to the owner of the vehicle at the address registered Owner wasn't the driver at the time, the driver at the time is disabled and able to stay double the amount usually given ...so they could have parked for 4 hours. As they didn't address it to the driver at the time the registered keeper ignored the communication. 2 Months on Parking Eye write to another address (not the registered keepers address) but an address where the registered keeper used to live stating that they couldn't have know that the registered keeper had moved and that they would accept a reduced fee if paid within 14 days, they also state that they gained the address by way of a Credit Reference Agency....say what? The Registered Keeper still lives at the original address and the one that is registered to the car by the DVLA ..the other address sent the communication back to the original address. The person driving is covered to park over the time allocated, no problem with that, but Parking Eye using a credit ref agency to write to another address simply because the one and only time they wrote to the registered address but did not receive a reply. For £40 and which they have zero chance of collecting given the disabled status of the driver of the vehicle at the time and which is easily enough rectified ...however, lets hope Parking Eye waste their money taking out court action and wasting more of their money. What seems so wrong is a cra being used for an address when all the time the vehicle is still registered at the original address.

Hi, Not sure if this has been asked before but i applied for a Sim Only 1 month rolling sim as my contract phone had ended. Is there usually any credit check for sim only plans as theres no searches on the CRA's to say Tesco carried out a check. Anyone know?

Does anyone know how long searches are showing for, as i know with experian the searches drop off when theyre a year old. Ive only 4/5 credit searches from aug 2012 till July 2013 but on callcredit ( noddle ) they havent dropped off. I still have yet to get my £2 report from Equifax.

hi guys, I'm after some advise if you can please. Ive also phoned debt line twice today and received two lots of different information, and also received different information with regards a bank and a mortgage broker. so here goes. my situation: years ago i got myself into pickle with debt. i had several loans including a large one to Barclays, Barclaycard, and some minor loans. i lost my full time job and money was tight. eventually i started to pay off the loans i could, or the ones i knew about at the time. got with my ex partner who i give the money to to deal with my finances when i was away, never heard nothing back from barclays, moved address split up with my ex shortly after. (turned out she kept this money for herself). long story short. i still have a barclcaycard debt outstanding owed to MKDP. The debt was originally for £3116. and i don't low whats happened to the barclays loan it is not showing on and CRA files so I'm assuming that gone. now I'm settled with kids, i would love to have a mortgage with my partner. but the problem appears to be this barclaycard debt. the account was started 15/10/2001, it was settled 24/06/2011, and sold to mkdp 01/07/2011 for £3116. The default was registered on 27/08/2009 for £3116. this is shown on experian as that date. yet equinox don't who anything of this debt. MKDP are still registering the debt each month as not paid and as a late payment, and this was updated only a few days ago. my questions are: 1. when the default was served, 6 years would mean that it would drop of my credit file, but what would drop off, just the default or the whole account with barclaycard. even if they sold the debt and made an entry to say the debt was sold july 2011 to MKDP? 2. would the whole debt including account from Barclaycard and MKDP drop off come 6 years next summer even if no payment is made. or say if MKDP updated there file in say July 2015 a month before the default drops off, and the make a note as late payment, would this still show there for a further 6 years from next july. obvs im in a pickle, cos even if i scraped all my money together, i would doubt i could afford to cover the cost of this debt atm. the fact I've gone 5 years so far with it being there. And obis 6 year point in becomes SB, would MKDP still be able to make entries on my credit file say for OCT 2015 NOV 2015 for missed payments yet the default has cleared and the account would be SB? i was under the impression that after 6 years the whole debt and account would just be swallowed up by the system and would drop off. any advice would be appreciated, I'm kind of worried that they will serve a CCJ against me in the next year, if they do this, would i be able to say just pay it before a court hearing. I do have an additional credit card i could use but thats earmarked for our wedding atm.

Hello, As the thread title suggests, I have previously had various credit card and unsecured loan debts which I defaulted on, all at least 6 years ago and I am only now wonderering whether there's any merit in looking into any related PPI issues. Originally I was just pleased to draw a veil over that time of my life, however, since those debts were quite large, there could be merit in seeing whether any of the cards had PPI included and therefore perhaps refundable. All of the lines of credit have fallen off my credit reports, which is now clean, but I still have a massive file of documents which details all the relevant credit card companies who were the original issuers. I don't want to waste my time taking this forwards if in the end all that occurred were that those coys said, " ... yes you're entitled to a refund and we're going to apply it to your previous default." As it's statute barred I don't believe they can, nor can they default me again, so what have others done in this situation as I can't believe I'm the first to consider this. Be pleased to hear back or any tips or pointers. I'm comfortable with prepping the paperwork myself, having had to repudiate all the old cards, and related legal actions. One other question; will applying for PPI claimback have any impact upon my existing credit cards or relationships with my new credit providers? AFAIK none of my new providers are the same as those defaulted, however, due to the many relationships companies have, perhaps some are linked. Thanks in advance peeps.

I checked my credit file with Noddle today and there's a default on there that doesn't show up with any of the other credit reference agencies. It's on a old address, and from British Gas and the default is dated in November 2009. It's weird that it's from British Gas as I usually go with the cheapest provider, and it's never them! I certainly haven't received a default notice from or demand for payment. It's only for a small amount (£150), and had I have known I wouldn't have let it default. How can I get this taken off my credit file? I really want it removed as quickly as possible. If paying it off would remove the default then I probably would, just for a simple life, but as I understand it this won't help much as it'll still stay on the file. Is it okay to email them, or do I need to send everything by recorded post?

Hi I have a CCJ registered against my ltd company, and I want to appeal the 'set aside' decision which went against us, and still can if I act quickly. If I did pay the the amount disputed would the CCJ be removed as it still open to appeal or would the CCJ remain. I hope that it makes sense and I am grateful for all info and advice. JP

Hi Guys A strange one. Just had a response from Lowell Financial that they are as mentioned before, removing the defaults for 5 accounts for me. However on the email it says; Now i thought Lowell took full control of the default like some other debt purchasers, etc, but maybe they dont?

I've just had a fairly heated discussion with First Direct after they labelled my current account as being 1 Payment Late. My first thought was that this was ridiculous as it was a current account which wasn't at that time in an overdraft or anything. It turns out they put it on there because a direct debit that i was in the process of changing had been returned unpaid. This payment was ultimately collected on the second attempt seven days later and was to a mobile phone provider. My argument was that whether or not this payment was made on time or not it had nothing to do with First Direct and my standing with the bank in terms of credit reference agencies. IF the mobile phone provider were to put a one month late flag for a 7 day delay then that's one thing but i don't understand how a bank can claim i'm a payment behind to them for someone elses debt. The guy eventually relented and agreed to remove the flag as a 'special gesture' but it strikes me as a grossly unfair practice that needs to be challenged and i wondered what everyone's thoughts were before i took it further...

Can anyone tell me what is the state of play regarding filing in the county court for damage to credit reputation? Circumstances are: A financial institution listed an association some years ago to a person who is clearly a known debtor, (clear since they left this property some time ago a number of collectors have shown up looking for them). Point being I KNOW I have never a financial association with this person. They company concerned did not reply to my 1st two letters (until I threatened the ICO) then wanted me to call them to discuss this. Ever since then I have had a stream of letters trying to justify their actions but have insisted this is valid data. They however have no records no idea as to why this was originally created as their records don't go back that far. They have also tried to tell me that you can file a notice with the CRA's and associations don't matter anyway,(which is a straight lie, what would be the point of the system anyway?) I have been pushed from pillar to post for 4 months now, they have now referred to letters that have have never been received, but no doubt a filed on their computer systems, for the record, and I have run out of patience with this organisation. I now have two options: File with the ICO, which would grind through their system and remove this association. Take them to the county court. As I see it, I cannot show a negative, if it never happened, how can that be. They would have to show that this entry is valid, but they have no records as to why this was created. Possible downside is that the judge could decide that is my credit reputation is stuffed any way, it didn't matter. Want to remove this as, fairly soon, not only has the bad news dropped of of my credit record, they go Stat Barred anyway. Grrrrrrrrrrrr David

Have been following the Durkin case, and now have a query: In 2006-2008 HSBC applied excessive bank charges after DWP stopped my DLA payment (in error) but later paid the arrears. I had been very ill and the local branch had said they would be sympathetic as it was not my fault. Charges were inflated to £1315 and although I requested a review as a priority case they started putting DCAs in touch (four of them in all). Eventually I got fed up and issued a MoneyClaimOnline, last month, and have now filed Judgment. The last of the four DCAs also registered the "debt" with CRAs, so I sued them jointly. They however sent the file back to HSBC and therefore I cancelled my claim against the DCA, and asked them to remove the CRA entry as they had surrendered the matter. They haven't removed it, and it is now the only remaining "debt" on CRA files for me. My credit score is low and quotes the debt as a factor. Is there any guidance somewhere on quantifying compensation in this situation?

Hi Folks, This is my first post on this site so I apologise if I haven't posted in the right place or if I don't use the correct terminology! I will do my best. Also I a big thank you for all the great advice! I have two issues I'd like some advice on but I will deal with them separately. 1. In January 2013 I received CC papers issued by a solicitor acting on behalf of Nat West Bank claiming I owed a total circa £7000 including legal fees and costs . I had defaulted on a personal loan (£1500 outstanding) and I had become unable to service my overdraft (£5000). After taking advice from National Dept Help line I acknowledged the dept and am now the unhappy owner of a CCJ. The judge ruled that I should repay at a rate of £20 per month based on my income. I am making regular payments. It seems that NW haven't as yet applied for a CO despite the fact they said they we're going to. I was aggrieved at the time of the Judgment because I had been in contact with Nat West as was attempting to reach an agreement with them and had actually offered them slightly more than the Judge agreed. I was waiting for a reply from NW solicitor when the court papers arrived! I had not been advised by NDH to request the CCA or SAR or consider defending part or all of the claim. I am not aware if there were unfair charges applied to both accounts and weather or not those charges have been added to the total owed. Don't even know if there is any PPI! After judgement I receive a letter from NW solicitor stating that I am not within my right to obtain the CCA despite the fact that I never requested it in the first place..most odd! So should I send a SAR request to NW and the Solicitor and should this include a request for all break down of all charges applied to the accounts and the CCA? Will they have to comply with my request or am I waisting my time and should I just continue to pay the CCJ. Not sure where to start with this or if I'm in a position to fight! Thanks.

My final CCJ turns 6 today, Happy Birthday Equifax removed it last weekend But it remains on Callcredit and Experian Does anybody know how long it takes CRAs to remove it?

Hi All, I'm back with problems relating to Lloyd's, CRA's and data protection. Both for some advice and to see if this is a common problem with lloyds and their inability to update records correctly under the Data Protection Act. History Credit card was incorrectly defaulted as 2012, after a battle Lloyd's , in august 2013, finally corrected the default to be 2006 which means no longer reported on CRA files. 2 months later, it reappears. New formal complaint, apologies, some compensation and reassurance this won't happen again. Just checked equifax. It's back, with a default date of 2012! Loan : was incorrectly default to be 2010, again after a battle (still ongoing) it has been updated to January 2008, with confirmation in Nov 2013 that 'this should disappear from CRA in January 2014, if it doesn't get back to us' ...or similar. This is now on CRA as default of 2010, records updated by Lloyd's in late January this year. So even if it was a case of it should disappear a month later, in feb, it won't as the actual default date is still wrong. Advice on actions to take? As I've already complained to Lloyd's re CC reappearing, and in reference to the comments in the loan letter, Lloyd's clearly have an issue with accounts which defaulted over 6 years ago and their reporting of them, whe they should not be applied to the CRA. I have endured too much protracted communications with Lloyd's, I am still in a chain in a complaint about the loan, that i just want to put a stop to the repeated updating of the credit file inaccurately. Any advice on what actions to take? Should I give them one more chance, or should I escalate to ico? I don't have a great history with their Andover department as I was almost starting court action before they finally gave me full disclosure. Thanks CS

Any idea if Halifax Use Callcredit for the search on a mortgage. Cheers HAK

Hi all, another question I have regarding my CRA report, One of my creditors has stated a correct default date of 5 years ago yet the account status now shows Partial settlement and a recent date. How can this be , and will this account now be on CRA files for another 6 years. Any info welcome . Sleepingdog

Hi All Its been along time since I have been back and needed help from you wonderful guys but back I am Basically like alot of you guys I had a credit card with egg that over the months and years has been passed for DCA to DCA, having CCA'd them along time ago with no response I have done nothing with it. Which wasnt a problem until now. I have been offered a job, something I have wanted to do all my life, couldnt believe it when I got it was over the moon. But.... they do a full vetting and blindly thinking they would only do the normal employer credit check (which I am fine on) they contacted me today to say they had done a full one and need me to explain a default I have on there, the one from egg. Thinking this was all over have stupidly mislaid all my paperwork, but from memory I CCA'd one of the first DCA's sometime ago with no response therefore I ignored the debt and correspondence from the other DCA's it kept being passed to. My question is this, they have failed to produce the CCA before is it fair that now its been taken over by Marlin that they could leave a footprint on my CRA report. From my report it follows like this: Barclaycard closed the account Jan 2013 marked DA (Debt assigned) default date of Feb 2010 (showing now zero balance) Marlin put default marker on June 2013 with the following on 2 CRA files Call Credit Opening Balance £xxxx Current Balance £xxxx Equifax Opening Balance £0 Current balance (Closed 4 March 2010 (balance £xxxx)) If there is anyone out there who could help me as I have to explain to my potential new employers asap about this default. Would I have to go down the CCA route again with Marlin which I didnt want to do because of the time scales ie statute barred etc but if I have to I will. Thanks in advance guys for any help you can give xxx

Hello all, Essentially I have just had my full & final response from MBNA from my complaint regarding their handling of my credit file since I started a DMP back in 2006. They never defaulted the account but listed it as AP for a significant period along with around a year of various missed payment levels before I partially settled the account in 2010. (see the CRA image below) [ATTACH=CONFIG]48033[/ATTACH] I am drafting a complaint to the ICO and probably will send a concurrent complaint to the FOS. Obviously I have more documentation to go with this - but I have attached the key ones for now (a snapshot of the CRA file, my most recent complaint and their final response)

I'm not happy with the marketing Wonga have used saying credit files would benefit users if accounts were maintained. My credit file from Equifax is clear but Experian has 14 loans over 12 months. I believe there is no court in the country that could say other lenders would not view (using their computer system assessment) that this shows only a credit risk contradicting Wongas claim when compared with a similar credit card account. Wonga continued to lure me into using their service with ongoing emails and advertising and I believed, as they said, I was boosting my credit score. Now with a £10k deposit I cant get a mortgage on the £125k house even with the governement backed deposit scheme and the advisor says it definately too many loans over a small period of time. My capital one card has has similar activity and is not judged in the same way. Is it unreasonable to ask them to consolidate their entries? I think this is the least they can do.

My partner has a loan with mutual that he has paid on time every single month. Mutual has reported to the CRA that payments received on time every month. As the balance was down to him owing £250 in October he decided to get it paid off by Christmas so in October he paid £180 (leaving a balance of £70 to be paid this month). He had an email from Equifax last week stating derogatory info had been placed on his credit file. It was from Mutual - they have reported him as a (1) , we contacted his agent who said their system is up to date so its correct. Contacted Head Office who refused to discuss it and said he had to contact the local Mutual branch, contacted the branch who have said their system is up to date and they dont know how it was reported as that and they cant change it. The issue here is my partner got the mutual loan, a contract phone and a credit card last year to build up a credit (as he had never had anything his score was really bad and he wants to get a mortgage next year). So his credit file was completely clean and the ''score'' was 850 ... this one mark has put him into the poor category with a ''score'' of 650. What can he do to get this rectified? Mutual Agent, Head Office and Local Branch all say they cant change it

Hi I want to check my credit file. However it asks for 6 years previous address history. The previous 3 years are fine because im on the electoral roll and have lived in this home for 3 years. But previous to this I went from rented room to room and living with friends for 3 years and was NOT on the electoral roll. How will this affect my credit report because I only have 3 years stable address history?