Hello All
Wondered if anyone had any advice on this issue.
Equifax is not listing my credit cards or other credit agreements that I have on my credit report. This is having quite an impact on my credit score with them and also on the report itself. Other than my mobile phone contract, I am showing up as having no credit agreements. I do have other credit agreements.
I have spent hours on the phone to these jokers getting them to correct a series of other serious errors. That is all now done but they refuse to correct the credit agreement section to reflect my actual credit agreements on the basis that my bank does not provide them with information - notwithstanding that I have sent them evidence of these credit agreements. I have also called my bank to see if they can help by providing info to Equifax - but they have refused.
Equifax have suggested that I should try to get round this by taking out random credit cards with providers who provide Equifax with information. This is not really something I wish to do.
Does anyone (particularly the brokers out there) know whether this is really going to impact my chance of getting a mortgage ?
Do people actually enter into credit agreements that they do not need or want simply in an effort to rectify the failings of a credit agency ?
The whole situation just seems so fundamentally wrong. I pay them for the opportunity to look at the mess they have created due to their failures and incompetence. I then attempt, at considerable cost in time, phone calls and sanity, to correct it - and even when they agree and acknowledge that I am correct they just come back and say "computer says no". With such high stakes, these agencies should not be allowed to get away with their appalling standards.
Wondered if anyone had any advice on this issue.
Equifax is not listing my credit cards or other credit agreements that I have on my credit report. This is having quite an impact on my credit score with them and also on the report itself. Other than my mobile phone contract, I am showing up as having no credit agreements. I do have other credit agreements.
I have spent hours on the phone to these jokers getting them to correct a series of other serious errors. That is all now done but they refuse to correct the credit agreement section to reflect my actual credit agreements on the basis that my bank does not provide them with information - notwithstanding that I have sent them evidence of these credit agreements. I have also called my bank to see if they can help by providing info to Equifax - but they have refused.
Equifax have suggested that I should try to get round this by taking out random credit cards with providers who provide Equifax with information. This is not really something I wish to do.
Does anyone (particularly the brokers out there) know whether this is really going to impact my chance of getting a mortgage ?
Do people actually enter into credit agreements that they do not need or want simply in an effort to rectify the failings of a credit agency ?
The whole situation just seems so fundamentally wrong. I pay them for the opportunity to look at the mess they have created due to their failures and incompetence. I then attempt, at considerable cost in time, phone calls and sanity, to correct it - and even when they agree and acknowledge that I am correct they just come back and say "computer says no". With such high stakes, these agencies should not be allowed to get away with their appalling standards.