Credit File & Ratings

A question about : Experian

https://www.radiotimes.com/episode/cs...l-4-dispatches

On now on C4.#

On 4oD here: https://www.channel4.com/programmes/d...es/4od#3658627

A question about : Individual Electoral Registration – changes voting registration

The way we register to vote in England and Wales has changed and will change in Scotland from 19th September 2014.

The change means, rather than one person registering all members of a household each individual will need to register themselves.

You need to register in order to be able to vote

If you aren’t registered, you don’t get a say on who represents you.

A question about : Experian's Fundamental Breach of Data Protection Act 1998

A question about : UK Credit Reference Agencies Unfit For Purpose and must be reformed

The motion is that UK Credit Reference Agencies Have Become Unfit For Purpose and Must Urgently Be Reformed.

I have many reasons (and evidence) to propose the motion ranging from poor access control to bad data management and recording of irrelevant and secret (coded) data.

Anyone else have strong opinions for or against?

A question about : Noddle Credit Score

For quite a while now my scored with Noddle has been 5/5, combined with the fact that I know nothing has really changed in terms of my credit, payments etc it has meant that I have only been giving my credit report a cursory glance,

A question about : Experian vs. Equifax

In my experience more lenders use Experian than Equifax for credit searches.

To back this up (or refute it) I was wondering if anyone who has access to reports from both Equifax and Experian could send me details of who used which one (purely for searches).

Rather than posting too many details of who you hold accounts with you can send me a private message if you prefer, I'll collate the information then delete your message.

Online applications for statutory reports (Ј2 each):

A question about : Help- How do I cancel my Equifax account?

I have managed to get a free credit report from equifax, but now I need to know how to cancel my account so I dont end up paying anything. I cant find anything on their site on how to cancel. Please help.

A question about : Credit searches by Aviva Central Services

Hi,

This isn't specifically credit card but it seemed to fit best in this forum.

Short story, we paid off a Mint card just before Christmas that had defaulted and is basically killing my credit rating - I want to BT an MBNA card with a crazy interest rate so was just checking my rating to see what has happened. I know the default will not be removed was just being thorough and looking.