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Finance» Borrowing Credit report nightmare: mistaken identity ruined my rating Joanne Smith was clearly the victim of mistaken identity, but she struggled to force how to dispute error on credit report the lender and the credit agency to fix their errors Joanne
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Smith says the errors have had a big impact on her business and her young family.Photo: Clara how to correct error on credit report Molden By Nicole Blackmore 8:30AM GMT 31 Oct 2014 Follow Comments When Joanne Smith’s attempts to secure a loan were repeatedly rejected by lenders, she decided to do
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a little digging into her credit file – and found that a mortgage that was nothing to do with her had been incorrectly added to her records. Miss Smith, a beauty therapist from Southampton, was the victim of mistaken identity. The mortgage belonged to another woman with the same name and date of birth who lived dispute something on credit report 30 miles away in Andover. But this seemingly simple mix-up was far from straightforward to resolve, and worryingly Miss Smith’s experience is increasingly common. Complaints to the financial ombudsman about credit agencies rose by 20pc in the year to March. It can be frustratingly difficult to correct errors on your credit file, as financial institutions and the credit reference agencies themselves are reluctant to take responsibility for mistakes. The consequences can be devastating. Financial institutions rely heavily on credit scores when deciding whether to offer mortgages, loans and credit cards to customers and negative information can make it impossible to qualify for credit. Unfortunately for Miss Smith, her file with Callcredit, Britain’s third largest agency, said she held a joint mortgage from Nationwide Building Society with a partner, a man she had never heard of, and linked her financially to him. He and his actual partner, the other Joanne Smith, had a number of debts against their name. Related Articles How to check your
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for more info Get YOUR Credit ReportUK free competitionsMOGObankconnect How do I correct inaccurate information on my credit report? Click on equifax uk dispute the drop down arrow next to the question listed. If you can't find the answer you need please contact us. How long will it take to update incorrect information on my report? Callcredit can http://www.telegraph.co.uk/finance/personalfinance/borrowing/11197788/Credit-report-nightmare-why-wont-anyone-fix-errors-on-my-file.html only make an amendment with the authority of the lender which submitted the record. If you believe your credit file contains inaccurate information, you can either contact the lender involved directly or we can contact them on your behalf. If they agree the information in inaccurate they will make the necessary amendment and update the record in the next file they send to us. Please note: The current balance shown http://www.callcredit.co.uk/consumer-solutions/frequently-asked-questions/updating-information-on-your-credit-report can be up to 6 weeks out of date as lenders only provide data to us on a monthly basis. If you would prefer, you may ask us in writing to dispute a record on your behalf. We will refer your dispute to the relevant lender and respond to you within 28 days. If you write to us to dispute a record please do so within 6 months of receiving a copy of your Callcredit credit report. You should quote your credit file reference number in your letter, provide us with a detailed explanation of why you believe the information is incorrect, and enclose any evidence. Please send your dispute to: Callcredit Limited, Consumer Services Team, PO Box 491, Leeds, LS3 1WZ. Why has the dispute been rejected?If you dispute a record on your credit report we will contact the lender to query the information for you. If the lender provides information confirming that the data is correct then we will be unable to amend the details on your report.  Back to main FAQ page Contact UsDownload a disassociation form A financial disassociation is a method of removing a financial connection between yourself and any other people showing as financially connected with you on your personal cre
one of the download links below to freely upgrade your browser. PC: Microsoft Internet Explorer or Netscape Navigator Mac: Apple Safari, Microsoft Internet Explorer or Netscape Navigator For Individuals For Small & Mid-Sized Business https://www.econsumer.equifax.co.uk/consumer/uk/sitepage.ehtml?forward=gb_elearning_credit13 For Large Enterprise About Equifax Products FREE Credit Report & Score Credit Report Identity Protection Statutory Report The Credit Experts FAQ's Username: Password: Forgotten Username or Password? Not an Equifax Member? Home > Learning > Your Credit > Credit Reports & History > Correcting Errors on Your Report Getting Started Your Credit Credit Reports & History Credit Scores Understanding Your Credit Life Events Identity Theft Your Personal Privacy Glossary of Terms Browse credit report By Product Equifax Credit Score™ Equifax Credit Watch™ Equifax Credit Report™ Equifax Identity Watch™ Equifax Identity Watch™ Pro EquiFacts In general, negative information that is more than 6 years old must be removed from your file. Find out how to correct inaccuracies in your credit file. You may be interested in: Equifax Credit Score™Find out how to improve your Credit Rating and see the credit score most lenders use when qualifying you for on credit report a loan (includes your Equifax Credit Report). Learn More | Order Now Statutory Credit Report: You may wish to exercise your rights under the Data Protection Act and order a Statutory Credit Report (£2). Your report will be posted to you. For more information about your credit rights and purchasing a copy of your Statutory Report, click here. What is a Credit Report? | Checking Your Credit Report Correcting Errors on Your Report | Your Credit Rights Correcting Errors on Your Report It is possible for incorrect or outdated information to appear on your credit report. If it does, it can affect your chances of getting the loans, credit cards, and other credit products you deserve. If you find an error, take the following steps to correct the information as soon as possible. Please note: It's important to keep a record of everything you do. If sending via post, send all correspondences return receipt requested, and make copies of any letters or documents you send. Never send original documents. Contact the Creditor Regarding the Problem In most cases, you should contact the appropriate creditor or lender before contacting a credit reference agency. Most large creditors have standard procedures for customers to dispute items on their account. If you have proof that the item in question is inc