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Re: Credit Rating
[Re: MeanRedSpider]
#1508345
18/09/2014 17:11
18/09/2014 17:11
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Joined: Jan 2006
Posts: 5,988 Sunny Darlo
Wishy
Forum is my life
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Forum is my life
Joined: Jan 2006
Posts: 5,988
Sunny Darlo
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Fortunately my only woes on that front were easier to solve although rather embarrassing. After moving house and remortaging a few years ago the building society who shall remain nameless (OK, no they won't, it was the Nationwide) forgot to set up the direct debit (despite having all the necessary at their side) and did the double whammy of issuing me red letters for the payment (which was soon sorted) and adding a non-payment blemish to my credit history. Very annoyingly they neither bothered telling me they'd added it to my credit history nor removed it when it was clear the fault was theirs. I only found when the computer said no to interest free credit when I was buying wedding rings and the soon to be MrsWishy had to temporarily bail me out! Fortunately a telephone call to the building society and a month watching my Experian credit rating fixed it. And yes, the amount of info they had was rather disconcerting.
Up yours Photobucket.
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Re: Credit Rating
[Re: MeanRedSpider]
#1508351
18/09/2014 17:55
18/09/2014 17:55
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Joined: Dec 2005
Posts: 12,294 Sandhurst
Begbie
Ex El Presidente
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Ex El Presidente
I AM a Coop
Joined: Dec 2005
Posts: 12,294
Sandhurst
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www.noddle.co.uk for a free life time credit report. Although it might not be as comprehensive as Experian / others but it's free
Your car is Usain Bolt with wellies
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Re: Credit Rating
[Re: MeanRedSpider]
#1508409
18/09/2014 23:28
18/09/2014 23:28
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Joined: Jan 2006
Posts: 5,988 Sunny Darlo
Wishy
Forum is my life
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Forum is my life
Joined: Jan 2006
Posts: 5,988
Sunny Darlo
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In my case it took a week or two for it to filter through to Experian's scoring system. I just kept checking and it eventually returned to normal.
Up yours Photobucket.
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Re: Credit Rating
[Re: Wishy]
#1508454
19/09/2014 10:24
19/09/2014 10:24
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TimR
Unregistered
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TimR
Unregistered
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I've gone through a load of hoops in the last 6 months as we try to buy a house. We haven't had any normal credit at all for about 6 years so, effectively, don't exist. We'd also not been on electoral rolls until the last couple of years as we kept moving house and simply never bothered. After several months of trying to sort things out, and with both Experian and Equifax now having exactly the same info, my credit ratings as provided by the 2 above named are about as far apart as it's possible to get They are a complete pain in the backside and, in typical call centre style, their operatives are among the most disinterested people I've had the misfortune to deal with. Lets also not forget that these credit rating agencies managed to completely miss the global economic meltdown several years ago
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Re: Credit Rating
[Re: sugerbear]
#1508687
20/09/2014 22:09
20/09/2014 22:09
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Joined: Mar 2006
Posts: 8,852 Cambridge & Cotswolds
MeanRedSpider
OP
Je suis un Coupé
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OP
Je suis un Coupé
Joined: Mar 2006
Posts: 8,852
Cambridge & Cotswolds
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I still fail to see the point in spending good money finding out what experian thinks of my credit rating. Might as well just do a DPA request and have a look at the raw data.
It's fine if you understand how financial institutions interpret the data. For instance, a lack of credit accounts in operation counts against you. Too much credit though also counts against you. A new mortgage counts against you but an established mortgage counts for you. I only pay once in a while but it always surprises me about how some aspect or other is viewed.
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