Credit Report - something wrong
Discussion
I've just run an Equifax report.
Now I know I had a Bankruptcy in 2007, and that shows correctly.
However, there is a further one underneath it, that has incorrect/no details within
Pic removed
So I got my Credit Score, that tells me that I have 2 record(s) that indicates there is a Court Judgment(s) or other public information associated with you. This is seen as somewhat unfavourable by credit grantors. You may find credit difficult to obtain. Please review the section of your credit report entitled County Court Data . For more information about Court data and what you can do about it, click here .
Court Judgments at your previous address(es): 2
When I click on the link, it gives me the info above, but there are no details for me to contact the Court with to get this removed & they say there is only 1 against me.
I've written to Equifax to ask, but wondered if anyone here could help me too please?
This is urgent, as it is affecting my ability to get a new Work Contract!!
Many thanks!
Edited as it is Equifax, not Experian - who I am still waiting on
Edited to remove picture with details on
Now I know I had a Bankruptcy in 2007, and that shows correctly.
However, there is a further one underneath it, that has incorrect/no details within
Pic removed
So I got my Credit Score, that tells me that I have 2 record(s) that indicates there is a Court Judgment(s) or other public information associated with you. This is seen as somewhat unfavourable by credit grantors. You may find credit difficult to obtain. Please review the section of your credit report entitled County Court Data . For more information about Court data and what you can do about it, click here .
Court Judgments at your previous address(es): 2
When I click on the link, it gives me the info above, but there are no details for me to contact the Court with to get this removed & they say there is only 1 against me.
I've written to Equifax to ask, but wondered if anyone here could help me too please?
This is urgent, as it is affecting my ability to get a new Work Contract!!
Many thanks!
Edited as it is Equifax, not Experian - who I am still waiting on
Edited to remove picture with details on
Edited by ali_kat on Wednesday 26th September 17:50
I have no direct experience, but my understanding is that you can write to them with a Notice of Correction which is then attached to your file.
Don't forget that there is Equifax as well as Experian so you will need to query with them too.
Don't forget that there is Equifax as well as Experian so you will need to query with them too.
Edited by JonRB on Tuesday 25th September 13:40
ali_kat said:
That is the incorrect information.The Court says it doesn't exist. And there is no reference Number there to trace it from.
T5SOR said:
On Experian do you just go for the £15 credit check and cancel the membership straight after? Only seems to let you do a credit check if you sign up and join with a membership
No, you sign up for CreditExpert on Experian - it's free for the first 30 days and £5.99 a month thereafter. http://www.creditexpert.co.uk
JonRB said:
No, you sign up for CreditExpert on Experian - it's free for the first 30 days and £5.99 a month thereafter.
http://www.creditexpert.co.uk
Thanks Jon.http://www.creditexpert.co.uk
So I can get a free credit report and leave after one month?
T5SOR said:
Thanks Jon.
So I can get a free credit report and leave after one month?
Yup. Just don't pay extra for your "Credit Score" (which they try and persuade you to add at extra cost). The report that you get is very comprehensive and completely sufficient. So I can get a free credit report and leave after one month?
You can leave before your 30 days is up and pay nothing.
Personally I kept it as I have found it useful to be notified of any change to my report as I am still financially linked to my ex-wife and want to know if there is any activity that I should be aware of.
ali_kat said:
Now I know I had a Bankruptcy in 2007, and that shows correctly.
You'll need to do a notice of corrections with all 3 credit reference agencies to get it amended.Edited by ali_kat on Tuesday 25th September 13:55
It looks like a simple error in regards to the duplicate entry to me.
However, if you're concerned about the duplicate entry affecting your employability, it's probably not that, it's probably the original bankruptcy I'm afraid.
You are not allowed certain jobs until it is discharged (which I imagine it already has been) after you can have any job you like but employers do look at candidates credit files these days and it will remain on your credit file until 6 years after the discharge date.
Also, I wouldn't post specific detials like dates and which court on a public forum, all insolvencies are easily and publically available online and hold a suprising amount of personal data, just a heads up.
Thank you It shows it on the record as 2 bankruptcies, only if you investigate does it show that one is clearly an error. However, I'm not sure that vetting folks can do that, hence I want it removing & am working on the Notice of Corrections.
I'm discharged & have the certificate But it hasn't been a problem until now, which is why I've found the error. I thought I'd pretty much blanked out the important details, leaving enough for the error to be easily spotted & advised upon? ali_kat said:
Thank you It shows it on the record as 2 bankruptcies, only if you investigate does it show that one is clearly an error. However, I'm not sure that vetting folks can do that, hence I want it removing & am working on the Notice of Corrections.
I'm discharged & have the certificate But it hasn't been a problem until now, which is why I've found the error. I thought I'd pretty much blanked out the important details, leaving enough for the error to be easily spotted & advised upon? Your full name, occupation and address at the time will be shown.
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