Credit Report query


H

harikeo

All

I've just used the Experian trial to look at my credit report and on the
report I see everything, apart from one, is green with no late payments. The
credit amount was £150 dating back to 1998 to company called DSG. I have no
idea what this is for but it looks bad to have taken 6 years to clear a debt
of £150 and to me it looks odd for everything else to be totally free from
late payments. :-(.

On this bad one there are two '2,s' and one '3' and it was settled in 2004
but how do I go about finding what the reasons for the bad marks are? And if
I think they are wrong can I ask this DSG companny to explain the 2's and 3
to see if they can be removed? I did try looking around the FAQ on
Experian's site but couldn't see a link to answer this so any hints would be
appreciated


thanks
 
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G

Gus Ulton

I've just used the Experian trial to look at my credit report and on the
report I see everything, apart from one, is green with no late payments.
The credit amount was £150 dating back to 1998 to company called DSG. I
have no idea what this is for but it looks bad to have taken 6 years to
clear a debt of £150 and to me it looks odd for everything else to be
totally free from late payments. :-(.

On this bad one there are two '2,s' and one '3' and it was settled in 2004
but how do I go about finding what the reasons for the bad marks are? And
if I think they are wrong can I ask this DSG companny to explain the 2's
and 3 to see if they can be removed? I did try looking around the FAQ on
Experian's site but couldn't see a link to answer this so any hints would
be appreciated
DSG is the Dixons, Currys, PC World, Link group of companies.

http://www.dsgiplc.com/Layout.aspx?ID={5aad56ce-5794-4928-8d1a-4923e120929d}&CatID={95c3cceb-b085-4882-9380-919fc28eaabd}
 
J

Jonathan Bryce

harikeo said:
All

I've just used the Experian trial to look at my credit report and on the
report I see everything, apart from one, is green with no late payments.
The credit amount was £150 dating back to 1998 to company called DSG. I
have no idea what this is for but it looks bad to have taken 6 years to
clear a debt of £150 and to me it looks odd for everything else to be
totally free from late payments. :-(.

On this bad one there are two '2,s' and one '3' and it was settled in 2004
but how do I go about finding what the reasons for the bad marks are? And
if I think they are wrong can I ask this DSG companny to explain the 2's
and 3 to see if they can be removed? I did try looking around the FAQ on
Experian's site but couldn't see a link to answer this so any hints would
be appreciated
DSG is Dixons Store Group. You could try to get it removed, but it will
fall off your credit report in the next few months anyway, so there
probably isn't much point.
 
H

harikeo

In
Jonathan Bryce said:
DSG is Dixons Store Group. You could try to get it removed, but it
will fall off your credit report in the next few months anyway, so
there probably isn't much point.
I thought items stay on a report for 6 years.
 
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H

harikeo

In
Tim said:
They do - ignore Jonathan!
2004 +6yrs = 2010 it will "fall off".
Thanks for confirming what I thought. Now I need to wait for DSG to reply so
I can see what this is about.

How likely could it be that a mistake has been made? I only ask because I
have no idea what I bought from the DSG group back in 1999 which required a
credit limit of £150.
 

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