Once again on the news this week people are being caught out with credit history mistakes.
I have to say it many times.
Every 6 months go to Veda Advantage or Dun & Bradstreet and get your credit rating.
and /or check it out before you go for a loan of any sort.
If you find something on your credit file you are unaware of or don't know anything about. You can request more information from the credit provider.
ASK: They can look into it for you and possibly fix the situation.
Unfortunately in many cases you get no further and have no choice but to wait the time period out. This can be 7 years.
There must be some way to prove a mistake.
If you have been able to succeed please inform me.
In my case ( I had a bill from a phone company I never new about, I was not notified I owed the bill and the first I new it was on my credit file so I know how you feel) the credit provider did place a finalized note, however it was still on my credit file.
Yes I had to wait for the time to clear the credit file.
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