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11/08/2023 8:55 pm
hi all,
im looking for some advice regarding getting my credit file back in order. I have been discharged since April and since it’s improved lot but now I want to see about getting a mortgage. Through joining checkmyfile.com I see they are all reporting differences, and mainly 2 certain debts still showing defaults on all 4 agency reports
Should I contact the original lenders with my form5 or go ahead and individually send it to the 4 agencies. I assume if need full details of the debit for this ie. Account numbers and dates ect.
is there a standard letter of any sort to send out?
Can anyone advise if there are any reliable companies that would chase this up on my behalf?
Any advice would be greatly appreciated
cheers
12/08/2023 10:53 pm
Hi Juan23
If you think there's discrepancies on your file, send a complaint letter to the company/ies concerned, along with a copy of your discharge letter (Form 5?). If you don't remember the full account details, does it not show on credit reference agency that you're using, or even a partial account number ( ie last four digits etc), together with your full name & address, Date of birth, and it was a joint account the joint account holder's name, so that they can locate the account. If you're still unhappy with the outcome once they've replied, contact the Ombudsman with your complaint.
I had a scenario where the info was recorded incorrectly on the credit reference agency, and the bank who held the account, had stated they had recorded everything correctly, and it was the Agency to blame, and back and forth I went with the information, but eventually took it to the Ombudsman, and they ruled the bank was at fault for not ensuring the information was recorded correctly, because the Agency can only record the information given to them, and cannot correct it without the Bank's authorisation.
I hope this help. Good luck
