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bobby t | My bank has unfairly ruined my credit score, how long will it take to sort ou?? |
I have a graduate account with an interest free overdraft. I have to pay the overdraft back by this May. There was nothing in the contract which stated I had to pay any money into my account prior to this date.
I have just applied for a credit card and it has been rejected. I checked my credit report with Experian and from Sept-Nov of last year there were three "missed" payments on my bank account, despite there being NO debits/standing orders or any other form of debit from my account.
I have been told to take my credit report into a branch and see an assitant to sort this out.
Clearly there has been a mistake. How long will this take to sort out? How long will it take to get this blemish taken off of what is a perfect credit history?? Its really annoyed me cos of the hassle & because i needed the credit card for an essential purchase.
Thanks for your help. |
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snaggle_smurf
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Seven years. |
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little g
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Well feel lucky a credit card is not the way to go trust me I know. That's why the credit card company's are under federal investigation greed is their credit. |
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astralpen
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You need to contact the bank and get them to remove the error from all three credit services Equifax, Experian and TransUnion. I shouldn't take more than a couple of weeks. I would also ask the bank if they would be willing to provide you with a credit card as a way to keep you a a customer and to make up for their error. They could do this immediately. |
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peache68
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If you had a perfect credit history, you would not have been turned down for a credit card unless the card was from American Express. The bank may be doing more damage to you than you think. If you go to the bank and dispute this issue, speak to the bank manager, don't waste your time with a teller, they do not have the authority to do anything. Then when the issue is resolved, the bank has 30 days to report to the credti bureaus. Keep an eye on your credit report, and follow up with the bank if you don't see the negative removed. |
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ProfessorC
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First thing is you can send a letter to the credit reporting agency disputing the report. They have to investigate within a certain number of days. They do not have to respond to phone calls in the same manner. It sounds like they are putting the burden on YOU to get this resolved.
And in the meantime send another letter of explanation to be included in any credit report sent until they get this straightened out. |
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dymps
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Change banks, this is a costly mistake. The negative rating on your credit report will be on it depending on how quick those involved can process the paperwork. Could be 1 - 7 yrs. You however must be proactive to help speed up the process.
After going to your bank in attempts to remove the negative entries, next have your bank contact all three credit bureaus to correct this problem and ask for a letter proving everything was at a zero balance and that you have been cleared.
The bank might not be willing to admit that they made a mistake, however that is not the important thing right now.
The most important thing right now is to remove the faulty negative entries on your credit report so that you can move on with your life.
Hope this helps, good luck |
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den invent
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go in sit down with the branch manager and tell him that if they dont sort it out you will go to the small claims court and claim damages for loss of good faith. |
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darcydiddler
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If your in the UK it takes 3 years for it to come off your credit report, you must have gone over your agreed over draft for them to have put a mark on your file, if you didn't write to the bank and complain they can get it removed. |
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www.homejobsformom.com
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I could be wrong, but I believe that if you are correct, and this is incorrect information on your credit report and the bank cooperates with you; it could be cleared up in a matter of weeks. Good luck! |
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♫Silvi♪
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See if your bank is willing to work this out with you. If it's their mistake hopefully they'll own to it and help you out. If not sue the sh*t out of your bank. There are lawyers that specialise in suing banks only, if they're in the wrong you'll win. |
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babyonlyne
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if you have no record of these payments of these payments being take you should be entitled to have it sorted under the direct debit gaurantee along with any fees you may have incurred. officially the bank should have sent you at least 1 letter in that time to make you aware that you've missed the payment.
have you checked that they have you correct address details and account details. you should also check with the post office to see if they havent altered your post code (this happened to a woman and tv licence were threatening her when she was actually paying them)
experian and most of the other credit reference agencies will have advice on how to go about clearing these types of errors, try contacting them for some info and your best route to take
if after all fails you should threaten the bank because if their contract states may for the first payment they have breached there their own contract and are liable to compensate you and clear your credit report. take them to court to claim for stress, legal fees, any fees incurred, oportunity costs and if you can work it out additional cost incurred through them ruining your credit score eg: higher interest vs typical interest
hope this helps |
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angelina
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3 yrs or more |
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