I requested a copy of my credit report when I moved house as I used to move around different addresses annually as a student. Anyway, I got it through and found that there was a defaulted bank account and credit card in my name on there with a bank that I've never been with. Investigating further, the accounts appear to have gone to a collection agency and paid off fully. Because of this, the police can't help me, and the bank is being totally unhelpful as it's been closed off (I think it's just a bank admin error, and they won't admit that they made a mistake!).
How on earth do I get this removed from my credit record, as it's the only thing on an unblemished record, and I'm concerned that it will affect things for me in the future! Also am worried that it might set me up for possible fraud attempts if someone has my details.
2006-12-27 22:42:11 · 15 answers · asked by Natalie B 4 in Business & Finance ➔ Credit
With proof you can ask the credit reference agencies to distance you from this. This means if it shows up then it will have a reason as to why it is not yours.
In the meantime, you need to get the bank to remove (they are the only ones who can legally). Start the complaints procedure rolling and follow the Financial Ombudsman's guide. The people you are talking to at the bank do not know (or care) how to help you. Take it as high as you can.
On a more serious note, how come you have all this registered at a bank you have never held an account with. Either they have just found you off the voter's roll and linked you to the debt as you have the same (or similar) name to the creditor or someone has completed an ID fraud on you. Ask them for copies of the account opening documentation as you believe a fraud has been committed. This will make them start to listen as no bank wants a potential fraud case being brought up in the press.
Again, ask the bank how they managed to link you to this debt. Don't just take their word for it, they are responsible for their actions, good and bad and have obviously breached their duty of care in this.
Contact a solicitor and ask their advice. You can still find ones that offer a fixed price initial consultation, use one of these.
In the meantime, please follow the advice to distance yourself from these items.
2006-12-27 23:20:25 · answer #1 · answered by Valiant 3 · 0⤊ 0⤋
Sounds like your identity had been stolen. Unfortunately trying to remove this error by yourself can be time consuming. To do it by yourself you can't give up even when they say it's yours. If you want to try to remove this yourself, go buy a book on how to repair your credit or check out this website http://www.creditinfocenter.com/repair/. This website tells you how to do it step by step. The easiest and I think it's the best way would be is to hire a lawyer to handle it for you. They charge monthly fee and will do all the paper work for you. The only thing you have to do is send them the reports when you get it. You'll need to do this over and over again, but you don't have the headache fighting with the credit bureaus. You can check out http://www.bradleyross.com/, they do nothing but help people remove negative items, inaccurate reports, errors, and incorrect information from you credit reports. At the same time, your credit score will improve.
Good luck
2006-12-27 23:18:35 · answer #2 · answered by stiletto 4 · 0⤊ 0⤋
I am going through he same thing with experian credit monitoring right now. I have 3 medical bills on my credit report that do not belong to me or anyone in my family (kids, husband). I disputed it through the credit fraud through experian. They investigated it and came t the conclusion that I am still responsible because in the original admittance papers to a hospital several miles away that I have never been to, I was listed as the responsible party with my name mispelled, but my correct address. It appears that the fraud dept. only asked if this bill belonged to me, they said yea and that was the end. It's still my responsibility they say to pay.
2006-12-27 22:52:05 · answer #3 · answered by Mt ~^^~~^^~ 5 · 0⤊ 0⤋
Write the credit reporting company, tell them that the entry is invalid, also ask the bank to supply you with any and all documentation proving it was you (your signatures, purchases and where they were in acordance with where you were.) If they can't prove it then ask to have it removed from your credit report. In writing is the only way all this will happen. Calling them won't help, just write both the credit reporting company and the Bank, they must provide you with proof. Or they must remove it from your report.
2006-12-27 23:04:48 · answer #4 · answered by girlcop1 2 · 1⤊ 0⤋
You get a copy of your credit report find the item or items that do not belong there. You then write a letter to the credit report agency explaining why the item does not belong there, you also send any proof you may have showing it does not belong on your credit report. They have 30 days to remove it or prove it belongs there.
2006-12-28 04:35:59 · answer #5 · answered by liljeanni1971 1 · 0⤊ 0⤋
File a dispute with all three credit bureaus (you can do this online.) Trans Union, Equifax and Experian. They will contact the companies who reported these things and if it's wrong, they will fix it.
You may also want to file an identity watch with the bureaus while you're at it to prevent any more identity theft.
2006-12-28 01:48:45 · answer #6 · answered by KL 5 · 0⤊ 0⤋
I had a similar problem a couple of years ago. The credit report is produced primarily by Equifax and Experion. Get their customer phone numbers off their website and give them a call. They will then most likely ask you to put your complaint in writing to them.
If you have any problems with them then phone the Financial Ombudsman and they will be able to intervene.
2006-12-27 22:55:08 · answer #7 · answered by Anonymous · 0⤊ 0⤋
Pretty sure that you must find many financial solution at: loandirectory.info-
RE How do I get something removed from my credit rating?
I requested a copy of my credit report when I moved house as I used to move around different addresses annually as a student. Anyway, I got it through and found that there was a defaulted bank account and credit card in my name on there with a bank that I've never been with. Investigating further, the accounts appear to have gone to a collection agency and paid off fully. Because of this, the police can't help me, and the bank is being totally unhelpful as it's been closed off (I think it's just a bank admin error, and they won't admit that they made a mistake!).
How on earth do I get this removed from my credit record, as it's the only thing on an unblemished record, and I'm concerned that it will affect things for me in the future! Also am worried that it might set me up for possible fraud attempts if someone has my details.
2014-09-03 08:53:43 · answer #8 · answered by Anonymous · 0⤊ 0⤋
There are lots of ways to accomplish what you want but only 1 best way. If you have lots of time and persistence, you can take a stab at it yourself. Check out the credit repair link at www.totaldebtsolutionsllc.com
2006-12-28 03:15:34 · answer #9 · answered by Anonymous · 0⤊ 0⤋
Contact the credit rating agency and present them with the information you have discovered, so that they can then advise on what to do next to get these things put right.
2006-12-27 22:46:27 · answer #10 · answered by Anonymous · 0⤊ 0⤋