Removal of Applications from Experian Credit File?

[thegoodgirl]

Hi Y'all.

I have just received my credit report and wondered if anyone could give me some advice.

 

My husband an I were shopping around for the best deal on a loan for our car and unbeknown to us these our applications all show up on our credit reports even though we have not proceeded and taken up the credit. Is there anyway that we can remove these from the file?

 

I have since read that when looking for a loan you should ask for a quote not an application eek! If only we knew....

[THEVARNSTER]

are these shown as searches

[THEVARNSTER]

Re: Unauthorised credit enquiry

 

Dear Sir/Madam

 

I would like to bring to your kind notice the contents of the latest credit report that I have received from the credit reference agencies.

 

The credit reflects a credit enquiry from your company which I did not approve. I believe that legally you are not entitled to enquire on any debt amount without my authorization. I request you to delete this enquiry from my credit report with immediate effect as it is causing a hindrance in my acquiring a loan and other credit benefits.

 

I have used recorded mail to send you this letter so I may ensure that you receive it and send me a prompt response. Please forward me a written document stating the removal of this unauthorised enquiry.

 

In other cases, kindly forward me a document containing the proof of the enquiry mentioned by you.

 

Thanking you in earnest,

 

name

try that letter to the company that carried out the search

[purplefile]

Not the first time this has happened but I do know that catflap has all searches bar two removed now.

Where the searches all done by a broker or did you go to several dealers and have the searches done yourself?

Catflaps removed by phonecalls to CRA's to inform them of situation and register notice of correction on files. Call to broker concerned followed by letter explaining Consumer Credit License guidelines on searches.

 

misuse of personal data? who cares?

 

If you did them all yourself with different garages I doubt you could get these removed but if it was one broker you may have a chance.

Its ok that we are now told to ask for quotations but I havent found any lenders who are set up for this yet.

[thegoodgirl]

Hi, they show up on the credit report under financial associations with the type of association listed as "Joint Application" in each case.

 

Basically we applied online to about a load of leanders.

[thegoodgirl]

PS. do you think it is worth writing to the loan companies and requesting that they remove data from CRA's???

[THEVARNSTER]

apply to cra for de association

[thegoodgirl]

de association from the 'lenders'

???

 

or from my husband?!

[SurlyBonds]

de association from the 'lenders'

???

 

or from my husband?!

 

You send a letter stating that you wish to disassociate yourself from your husbands accounts and credit data - however you cannot do this if there are any jointly-applied-for accounts, as you are both jointly and severely liable in Law.

[thegoodgirl]

You send a letter stating that you wish to disassociate yourself from your husbands accounts and credit data - however you cannot do this if there are any jointly-applied-for accounts, as you are both jointly and severely liable in Law.

 

Hi Surlybonds,

Sorry I am confused! Out of the 10 loan applications we made, we actually only entered into one contract. I assume therefore that we cannot diassociate ourselves from each other as we have a current agreement together, however, is it still possible to remove the other applications?

[nathal]

searches can be removed regardless to any joint accounts

[mila]

You send a letter stating that you wish to disassociate yourself from your husbands accounts and credit data - however you cannot do this if there are any jointly-applied-for accounts, as you are both jointly and severely liable in Law.

 

My wife and I are only associated jointly on one account. Does that mean we can de associate on others bar this?

[sycostill]

can you remove searches, surely we accept that the search will take place when we apply for credit, most credit card sites and bank staff has said that to me when applying for something..