(Marlin Financial Services) Outstanding Debt Search on Equifax Credit Report

[dera2005]

Hello All,

 

Please Help....

 

Not sure if i have posted this in the right place if not please feel free to move my post.

 

I got an alert via email today advising me of a change to my credit file. Upon checking to my horror I found that a company called Marlin Financial Services and have done 8 searches in table 1 of my credit report and a search type of outstanding debt.

 

I didnt consent to these searches and have had no coripondance or phone calls from this company.

 

All my accounts are under control and I had two defaults that are due to fall off at the end of this year but these are also settled.

 

Does anyone know what debts these guys usually chase. I did some digging on the net and found they usually go after welcome car finance and yes car credit - But i dont have a car bought on credit, And i cant understand what they want with me.

 

Are they allowed to place 8 Searches on my file day after day. I understand that this will now smash my score to tatters.

 

I have launched a dispute with Equifax but I am guessing they wont be able to do much since the search type is "outstanding debt" so no doubt they will tell me contact the company directly.

 

I also understand but could be wrong I need clarification on this really, That outstanding debt searches stay on your file for 6 years from the list date and are almost as bad as a default or CCJ in creditors eyes.

 

Although i did read somewhere that this type of search stays for only 2 years can some one please confirm?

 

I was having a nice easter until i got that email now my depression has come back and hit me like a pile of bricks, I am thinking it could be an error but I thought usually DCA's send fishing letters first, before turning someones credit file into swiss cheese.

 

 

I just feel so cheated - sorry if i am sounding selfish but i have worked sooo hard to get my credit file back into shape and then these **** bags come and **** all over it with their searches.

 

Any Advice please.

[dera2005]

Bump

[dera2005]

Sorry to be a pain peeps any help would be great since i am walking on egg shells right now and feel really sick.

 

Dont know why just guess im down cos i was finnally getting somewhere and these beasts have messed it all up.

 

 

I really could do with guidance of how to proceed.

[DES_1001]

i'd also like to know the answer to this one!

[dera2005]

Spoke to Equifax and they are launching a dispute so I will keep everyone updated with progress.

Edited April 15, 2009 by dera2005
fixed a spelling mistake

[jazzie4]

OMG...this has happened to me! just got an alert from Equifax and Marlin did a search on me on 7th 8th 9th + 10th April 09!!!

 

What for??? can anyone shed any light??

[dera2005]

Hey i know weird huh just out of interest did they search on more than one address?

[dera2005]

Best thing i can suggest is give equifax a ring and log a dispute or log one online and if data is incorrect equifax will remove the data. What type of search did they do?

[Dissiargent]

Hello,

 

I had a similar experience but with a utility company. I logged a disupute with Equifax and after 21 days, as the utility company have not got back to them - they have removed the search for me.