Credit file

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recovering
Posts: 1580
by recovering » Thu Aug 23, 2018 4:41 pm
Ho all can anyone make sense of this Please?
As you all know ( and are probably bored to death of hearing about)
Co-op rejected my application for a current account because of a credit check
This was fine last month when I got accepted for car finance,
Having looked again I saw a partially settled account so I contacted Experian and got this

Thank you for your contact received on 8/22/2018 2:00 AM

*PRA Group (UK) Limited (Account Started on 04/09/2006)

Having checked our records I can confirm that the above account reads as satisfied (paid off).

Please view an updated report.

*Additional Information

I understand you'd like to know why the default status doesn’t change once it’s been paid off. Having checked I can confirm your default reads as a £0 balance which means the default has been satisfied and companies will see you no longer owe the debt. The original default balance remains to show how much the account defaulted for.

I'd also like to make you aware that agreeing to make payments after an account has been defaulted doesn’t change the account’s history. This is why the ‘!’ status history doesn’t change. The ‘!’ status show that at the date of default the account wasn’t being managed in line with the original contract.

Please note that defaults remain on our records for six years from the defaulted date after which it will be removed automatically.

You can visit our Experian UK YouTube channel for some tips on how long they stay on your credit report, what to do now and how a default affects you.

*IVA Completion Certificate

Please be kind enough to provide us with your IVA completion certificate so that we could look into this further for you.
If you need any more help, please let us know.

To get in touch you can email us at consumer.helpservice@uk.experian.com or visit our website at www.experian.co.uk.


Kind regards,

Tanseem Mackeen

Customer Support Centre
Experian




Keeping an eye on your Experian Credit Score just got a whole lot easier. You can get your Experian Credit Score and credit report alerts on your phone with our CreditExpert companion app!

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User avatar
recovering
Posts: 1580
by recovering » Thu Aug 23, 2018 4:42 pm
I have emailed them to say I have already sent a copy of my completion certificate....
User avatar
Foggy
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by Foggy » Thu Aug 23, 2018 4:53 pm
If the account was defaulted -- what was the default date ? The whole shebang should drop off after 6 years ! And, if it wasn't correctly defaulted -- why did it drop off before (only to be put back on) ?
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recovering
Posts: 1580
by recovering » Thu Aug 23, 2018 4:56 pm
Foggy wrote:
If the account was defaulted -- what was the default date ? The whole shebang should drop off after 6 years ! And, if it wasn't correctly defaulted -- why did it drop off before (only to be put back on) ?

Honestly I am So confused!!! ihave emailed again saying none of it should be showing !
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Foggy
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by Foggy » Thu Aug 23, 2018 5:03 pm
Thank goodness it happened post Fiat !!
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recovering
Posts: 1580
by recovering » Thu Aug 23, 2018 5:06 pm
Foggy wrote:
Thank goodness it happened post Fiat !!

I know! It says please see your updated report . I just have and it still says partially settled! They are so frustrating to deal with! Equifax you can ring and talk to someone... this lot it is impossible it seems to me they have not registered what the issue is?
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recovering
Posts: 1580
by recovering » Fri Aug 24, 2018 11:17 am
Foggy wrote:
Thank goodness it happened post Fiat !!

There is something going on with experian because my score has dropped to poor! It updated today. I am going to lose it!
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UpToMyNeckInIt
Posts: 607
by UpToMyNeckInIt » Fri Aug 24, 2018 3:23 pm
I too am in the process of tidying my post-IVA credit file, and I understand that it is best to contact the creditor to ensure that they have reported correctly to the 3 credit agencies.

So if you have not already done so, it might be worth contacting CoOp as well.
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recovering
Posts: 1580
by recovering » Fri Aug 24, 2018 7:29 pm
I have wrotten to Co-op and all my files were clear last month! I was accepted for car finance and now it has been changed Experian already have my completion certificate!!! They are so blimming hard to deal with! They will only speak to you islf you pay £15 a month they take days to reply to emails and then don’t read them
Properly! You have to wait a week for a code to look at your statutory report as they post it!
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recovering
Posts: 1580
by recovering » Wed Aug 29, 2018 8:05 am
So Experian has now after another near week said they have contacted the data controller about the partial settlement showing on the my credit report. They aim to get back to me withing 28 days... sigh... and they have put a notice of correction on my file!
So trying to be one step ahead I replied saying when the partial settlement is removed can you remove the notice of correction too please.last time I has to ask to get it removed, they emailed today saying
We have removed the notice of correction.... notjing about the partial settlement.......,, :cry:
User avatar
recovering
Posts: 1580
by recovering » Fri Sep 07, 2018 8:53 am
Experian have said they are removing the partial settlement on my file within a week...... my breath is bated.....
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