County court judgments (CCJs), defaulted payments and bankruptcy orders leave a black mark against your name when trying to secure credit. But sometimes a genuine mistake has been made and needs to be put right, unfortunately it is not as easy as you may think. Banks take the credit ratings companies' word as gospel. Likewise, they trust the banks' word over yours. So if one gets something wrong, it is often the consumer who is left in the dark.
A frequent problem is if the address on your credit file does not match your address. This is often a problem if your house has a name, has a number and a letter, or is one of a number of flats converted from an older house. Find out how your local council lists your address and follow its lead. It is likely that most banks would use the same style that is on the electoral roll.
Experian say if you don't submit your address as Royal Mail lists it then it will not match up. In this case, contact Royal Mail on 0845 6011 110.
However, if you disagree with information on your credit report then you need to contact the credit rating company directly. But this can be a frustrating experience, since most complaints have to be sent by e-mail or by letter. Enables experienced IFA’s like to help you get all the details right first time to make sure you get the deals you need.
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