credit reference agencies

[kat68]

hiya, does anyone have addresses for the three credit reference agencies?
Thought i might start with them to get my IVA marked as complete.
then try to find addresses for the various data controllers to have defaults after the IVA commencement date removed.

thanks kat

[kathvegas]

The 3 are Experian, Equifax and Callcredit.

Google them and all the info will be available for you.

Well done Kat

[kat68]

i have googled them,they seem to have plenty of offers for free credit reports for a month, but advice for statutory £2 reports, and an address to request ammendments seem to be well hidden!

[kat68]

i have googled them,they seem to have plenty of offers for free credit reports for a month, but advice for statutory £2 reports, and an address to request ammendments seem to be well hidden!

[Skippy]

The addresses are:

Experian Ltd
Consumer Help Service
PO Box 8000
Nottingham
NG80 7WF
Tel No 0870 241 6212
http://www.experian.co.uk

Equifax Plc
Credit File Advice Centre
PO Box 1140
Bradford
BD1 5US
Tel No 0870 010 0583
http://www.equifax.co.uk


Callcredit plc
Consumer Services Team
P O Box 491
Leeds
LS1 5XX
Tel No 0870 060 1414
http://www.callcredit.plc.uk

You can find the data controllers' addresses here - http://www.ico.gov.uk/ESDWebPages/search.asp

[kat68]

Thanks for that skippy

[sponge]

Kat68 I suppose there's no harm, however I finished my IVA over the full term 60 months, but as my bank manager (nationwide) I wanted a flex account (blue debit card) instead of the cash card plus (red debit card) said I won't even lend you a crappy pen to sign it, let alone let you have a blue one! Why I said I have completed my IVA yes true said she...but it's still there! Come back when it's all dropped off (six years) well this September in my case.

[kat68]

hi sponge, i know Iva will remain on my record for a full 6 years, meaning i have just under 5 to go, but it would be nice to have credit reports updated with completed and also default dates corrected to when my IVA began as i am still being defaulted monthly. otherwise when my time is up, the defaults will not drop off if they are registered after the iva commencement date.
never again will i stick my head in the sand and hope for the best, so i thought i would write to CRA sooner rather than later.

[kat68]

guess i was lucky with nationwide, i have a full account with blue card and checkbook, but i opened it just before i entered my iva.

[kat68]

forgot to say, congrats on completing and good luck for september sponge

[MelanieGiles]

I would give creditors a little time kat68, before you pay for credit checks to be carried out, as some of them can be a bit slow. I suggest you try in say three months time to avoid wasting money and then having to redo the exercise.

[Skippy]

I've been lucky with Nationwide as well Kat. I've got the basic account that I opened when I went BR that I now use for housekeeping and I also have a full Flexaccount that I opened years ago. They weren't a creditor so I requested a new card so I could use the account. Much to my surprise they agreed and I have the blue debit card and a chequebook.

[Rich]

Skippy are these credit ref agencies address correct. I have recently been in touch with one of my creditors and they have given me different address for Experian and Equifax.
Experian
Consumer Help Services
P O Box 40
Nottingham NG7 2SS
and
Equifax
Dept 1E
P.O. Box 3001
Glasgow
G81 2DT
can you confirm please thanks

[Skippy]

The addresses I posted are still on the websites so you will need to give them a call to confirm the correct address if you need to contact them if it's not clear from the websites.