credit report

awww no good for me :( i'm deaf so i wont be able to ring them

someone was telling me ages ago that we can get the credit report to our house via post, cost £2, up to 7 working days. but i couldnt remember what website was it. anyone one know?

thanks again
 
To get your data you need to write a letter and enclose a cheque or postal order for £2 made payable to either Equifax Plc, Experian Ltd or Callcredit Plc. To help I’ve drafted a template letter for you to use with each agency. Template Letters:

Equifax. Equifax PLC, Credit File Advice Centre, PO Box 1140, Bradford, BD1 5US
Experian Experian Consumer Help Service, PO Box 8000, Nottingham, NG80 7WF
Callcredit Callcredit plc, Consumer Services Team, PO Box 491, Leeds, LS3 1WZ

If you have recently moved home, it’s a good idea to enclose two separate forms of identification at your new address with your application, as sometimes they will have trouble locating you. Alternatively, you can either download the postal application forms from the individual websites, or (for Equifax and Experian) use the online order systems.

It is also possible to download postal application forms direct from the individual websites. However beware, they will often try and flog you more expensive online products
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Taken from here: http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1149605730,95768,

There's a few loopholes to get it for free. If you can't ring up to cancel you can also send them an email, that's how I did it when I couldn't get through.
 
Does anybody know how to boost ** credit rating? I recently applied for a contract mobile phone on orange student tarriff, and was declined because i failed the credit test on my debit card! WAs not impressed! Iv only recently turned 18 so iv never had credit before, so it aint like am blacklisted or anything, just wondered if anybody knew how to boost it!

Sorry for taking it off OP :D
 
Ogroats said:
Does anybody know how to boost ** credit rating? I recently applied for a contract mobile phone on orange student tarriff, and was declined because i failed the credit test on my debit card! WAs not impressed! Iv only recently turned 18 so iv never had credit before, so it aint like am blacklisted or anything, just wondered if anybody knew how to boost it!

Sorry for taking it off OP :D
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They probaby have the wrong information, bung experian a few quid then once you've got the report give them a call and chat to them about whats wrong. For me it was my address being incorrect. They changed the info and off I went to slippery credit card land.
 
its more likely to be because you have no credit history.

in some cases you need to have credit to get credit!
 
Ogroats said:
Does anybody know how to boost ** credit rating? I recently applied for a contract mobile phone on orange student tarriff, and was declined because i failed the credit test on my debit card! WAs not impressed! Iv only recently turned 18 so iv never had credit before, so it aint like am blacklisted or anything, just wondered if anybody knew how to boost it!

Sorry for taking it off OP :D
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Get your name on the electoral role, that's usually a big help.
 
sorry to bring up a very old thread :p

i ordered new phone via 02 online few days ago but heard nothing since so i phoned 02, they told me the order has been cancelled cos my credit rating got rejected!!! never had this before

so i signed up creditexpert.co.uk and got the credit report and credit score.

it shows up i got bad credit by telewest, i had problem with telewest about 5 years ago (long story)

but strange thing is that i've applied for the mortgage last month and the credit check was passed so how come it got passed but failed with 02. very odd!

is it cos of telewest or the numbers my credit got checked (searches) by the mortgage company and house insurance company recently?

what can i do?

thanks
 
wesley said:
sorry to bring up a very old thread :p

i ordered new phone via 02 online few days ago but heard nothing since so i phoned 02, they told me the order has been cancelled cos my credit rating got rejected!!! never had this before

so i signed up creditexpert.co.uk and got the credit report and credit score.

it shows up i got bad credit by telewest, i had problem with telewest about 5 years ago (long story)

but strange thing is that i've applied for the mortgage last month and the credit check was passed so how come it got passed but failed with 02. very odd!

is it cos of telewest or the numbers my credit got checked (searches) by the mortgage company and house insurance company recently?

what can i do?

thanks
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I got my report a few weeks back. It said in the guide book that company’s can only see their own search’s on your record and not searches from other comanys
 
I got a credit report done by equifax (only cost £2) to find out why i couldnt get any credit turned out someone had got a credit card out in my name back in 2002 :rolleyes:

Mike :D
 
wesley said:
stuff
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Funny, I don't remember O2 ever doing a credit check on me. Or anyone I've ever taken in to get a contract :confused:

It's always been a very straight setup your direct debit details thing. Never any mention of a credit check.
 
Its not just the credit rating thats taken into account they consider whether they think your able to pay it

i.e. if you have a CC in your name with 0 balance on it but a 5k limit, then its recorded that you have 5k of credit because at some point in the future you might use that up and they have to factor that into your outgoings and work out if you could afford whatever payment you'd need to give them

it might well be that after the mortgage you applied for they dont think you'll have enough financial leeway to cover the cost of the agreement

and yes it can be because of other searches, they cant see each others searches but each search does affect your score
 
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