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blacklisted
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For more on marking an answer as the "Best Answer", please visit our FAQ.There is no way to get yourself 'unblacklisted'. The Companies that charge you �50 or more to do it, do nothing that you couldn't do yourself for free. They rely on the fact that Joe Bloggs wouldn't know how to go about it and exploit his ignorange and charge loads.If you have a bad payment history, there is nothing you can do about it 9other than pay up on time for the next fwe months). If there is something detrimental on your credit file that is not correct, you can get the Credit Reference Agency in question to post a 'notice of correction' which they are obliged to fo by law. If there is omeone sharing your address who is not related or connected to you in anyway and who you think has blackened your reord, you can get yourself disassociated from this person. i suggest you contact your local Citizens Advice Bureau or look into it firther on the internet.
Have given you some answers in Money & finance - but agree with Smamy Snake
DO NOT USE THESE COMPANIES CHARGING YOU �50 - they are a rip off. You will not get a 'fresh start' - Staff help - I am sorry but you obviously have no clue as to how the finance industry works, and would suggest you do not give erroneous (and expensive)answers.
If you are unsure, go to either a citizens advice bureau or a free debt charity in your local area. A lot of people have the perception that there is a blacklist (as I said this is not true). Get a copy of your up to date credit searches - this should give you a lot of information. If you have deafults / arrears or CCJs then there is little to do except pay them off - defaults and CCJs will remain on your file for 6 years. Anyone who says they can repair your credit file is lying. THe most you can do is put a NOC (notice of correction) which will say something along the lines of "I, Jo Bloggs, would like it to be known that this is not the usual way I conduct my affairs". Most lenders will not take any notice of this!
If experian or equifax have sent you data which contains information about people who have no association with yourself but happened to live in the same house then they are breaking the law. (data protection act)
If what you say is true, then you should contact the information commissioner who is responsible for upholding the act (www.informasioncommissioner.gov.uk)
I suspect that this is not the full story though. As I said, I work in the industry for a 'secondary' lender - ie people who have had problems in the past. Not once in the last 2 years have I seen a credit file which has shown the financial information of the previous tennant.
Also, from Monday (well actually tomorrow) new laws come into effect - the agencies can now only give information about a specific person to that person (ie if I applied to experian for my own credit file, even though there is a financial link between me and my wife, they would only supply me with details on myself and NOT on my wife).
Any further questions will always be answered, but I really would suggest going to CAB or similar - they will give you the same advice as the aforementioned companies but will not charge you anything for it!