blacklisted

[BGoolE78l]

what companies can i use to get myself unblacklisted and how much would this cost

[staff help]

To have your credit files sent to you it will cost you �2.00 to each company (equifax and Experian) - to do it yourself is quite a task there are companies who will do it for between �50-�100 I think it definately worth doing if you need a fresh start - hope this helps

[sammy snake]

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.

[Oneeyedvic]

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!

[staff help]

Sorry dont agree I have just had my credit files sent to me and on them are information about everyone in my household and also credit information for the previous owners of the house...........  I have the information of the previous owners what they owe and to who also as I said other members of my family.  I have gone to a credit resoration company who did the work on my files and have disassociated everyone other than myself and put NOC on debts I had a few years ago.  I received confirmation from the reference agencies that my credit files had been amended and I have since applied for credit and been successful where previously I was decined - feel abit put out cause you said I didnt know what I was talking about I never claimed to be a financial expert but was only passing on my experience and it worked very well for me - sorry if you dont agree but the proof it works is me!

[Oneeyedvic]

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!