Credit report - HELP!
Stott - 24/7/13 at 05:49 PM
Does anyone know a solution to this problem? Long story short:
I have applied for a different mortgage and been refused as I have undisclosed debt apparently
Got both me and the mrs credit reports from experian, equifax and noddle, all clear as I thought
Lender is adamant the wife owes money. Turns out its all my mother in laws debt and is reg'd to the MIL's address, which is
my wife's previous address (9 years ago)
They use callcredit to score us, I've applied for reports from them but haven't had them yet, but noddle are callcredit and that report came
back clear
How the hell do I sort this out when I can't even see this linked debt myself? 
theduck - 24/7/13 at 05:55 PM
Seems its a linked profile, can be removed but you need the report and to write to them.
ETA. can get instant access to call credit for £2 each here https://www.callcredit.co.uk/stat-report-online/
[Edited on 24/7/13 by theduck]
Stott - 24/7/13 at 06:00 PM
Hi, tried that but they "couldn't verify our identities" so it has to be done by post, then they don't turn up, ever.
They are famous for it apparently, it's all over the moneysavingexpert forums about them being cowboys and the worst of the
credit reference agencies
blakep82 - 24/7/13 at 06:08 PM
When I worked for "a bank" doing mortgages, if there was any trouble with credit reports, its a weird situation.
Something along the lines of they can request one on your behalf, but arent really supposed to know the results. If the customer disagreed or wanted
to know what the problem was, we could only suggest they got a copy from equifax or experian. If it was all clear they could send a copy in, and the
underwriter could then discuss it.
Send a copy in to the lender, telling then everythings clear, and hopefully they should then be able to get things moving on. Of course things may not
be completely the same, but get the clear report faxed/emailed in for them to look at again
Stott - 24/7/13 at 06:27 PM
quote:
Originally posted by blakep82
When I worked for "a bank" doing mortgages, if there was any trouble with credit reports, its a weird situation.
Something along the lines of they can request one on your behalf, but arent really supposed to know the results. If the customer disagreed or wanted
to know what the problem was, we could only suggest they got a copy from equifax or experian. If it was all clear they could send a copy in, and the
underwriter could then discuss it.
Send a copy in to the lender, telling then everythings clear, and hopefully they should then be able to get things moving on. Of course things may not
be completely the same, but get the clear report faxed/emailed in for them to look at again
This is pretty much exactly whats happened.
Originally they said "somethings bad, no mortgage sorry bye" It's taken 3 weeks to get them to divulge the amounts owed and whether
they were linked to the wife or me.
I have obtained clear reports from 3 different CRA's, one of which is owned by callcredit. All of these have been sent to the lender along with a
letter of explanation. This was over a 2 week period, first the experian & equifax ones, then the noddle/callcredit ones.
So now they are saying "we told you what's bad, no mortgage sorry bye"
It's like banging your head against a brick wall
blakep82 - 24/7/13 at 06:31 PM
Ah right, I get you. Screw em. Try another lender?
Mr Whippy - 24/7/13 at 06:38 PM
quote:
Originally posted by blakep82
Ah right, I get you. Screw em. Try another lender?
Yeah why are you only looking at this one? Is the a particular reason?
Stott - 24/7/13 at 06:44 PM
£6k tie in on an existing portion of the mortgage until April, otherwise I'd be off
SteveWalker - 24/7/13 at 10:23 PM
I'd write to the offending agency, recorded delivery, telling them that their faulty information is preventing you getting a mortgage and
threatening legal action for your inconvenience, losses, lost time, anything that could possibly be valid. Also pointing out that giving your wife a
bad reference when she does not deserve it is actually libel.
Agriv8 - 25/7/13 at 08:05 AM
quote:
Originally posted by SteveWalker
I'd write to the offending agency, recorded delivery, telling them that their faulty information is preventing you getting a mortgage and
threatening legal action for your inconvenience, losses, lost time, anything that could possibly be valid. Also pointing out that giving your wife a
bad reference when she does not deserve it is actually libel.
Also quote that it also against the Data protection act ( that the Data is Validly Held & Correct ) that they are linking Her clean record to the
bad one.State you wish this sorting out imediatly and if this is not done you will be taking the mater up with Information Comisioner.
Stott - 25/7/13 at 09:45 AM
In the post this morning I recieved both our credit reports from callcredit, both totally clear, no links to addresses or other individuals, so god
knows what the building society are looking at!
We are dropping copies into branch this afternoon.
James - 25/7/13 at 10:17 AM
quote:
Originally posted by Stott
In the post this morning I recieved both our credit reports from callcredit, both totally clear, no links to addresses or other individuals, so god
knows what the building society are looking at!
We are dropping copies into branch this afternoon.
Honestly mate, with the bunch of f#cktards one has to associate with when moving house they could be looking at anything.
We're trying to move currently and the whole process (bearing in mind it's a no-chain move) should be really simple but the list of cock-ups
from solicitors and bank alike is getting long and distinguished!!!
An example that relates to you... we had the council search done on our new place. They came back saying that it had planning permission for solar
panels. My girlfriend tried to look up on the council site when the planning had come in as it would be an option for us.... turns out the council had
done the search on the wrong house!!! 
Maybe they've f'cked up in this fashion with you?
Cheers,
James
[Edited on 25/7/13 by James]
Ninehigh - 25/7/13 at 08:35 PM
Sounds quite possible they have looked at the wrong person.
Yeah I'd go back and re-apply, then when they say no ask what the problem is. When they say credit scoring show them the reports and ask what the
problem is.
The person that tells you no though doesn't look at anything, as I've asked them several times what my credit score is (and various
questions) and I have yet to get any evidence that applying for credit involves more than a computerised coin flip.
Stott - 3/8/13 at 01:38 PM
Update: all sorted
Finally got them to see sense and realise they were searching the wrong person all along
They have waived the arrangement fee by way of an apology, I dunno eh! I told them that weeks ago, talk about blinkered.