Tag Archives: credit

Can you help me recover my credit rating after illness?

Dear James,

I recently defaulted on a number of monthly payments due to being hospitalised as an emergency. I had to have triple heart bypass surgery, which has kept me from sorting my finances over the past few months. After paying off all default payments I was relying on one of my credit cards to pay off an upcoming bill. Today I received a text advising me that my credit had been reduced on this card. Trying to reinstate the credit, I was informed that my report showed the defaults and credit couldn’t be reinstated. With defaults now addressed and considering the position I was in, can Experian update and reflect my position, as it is needed quite urgently and would be greatly appreciated right now.

Yours sincerely, Liam, Liverpool

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Making sure the data on your credit report is accurate

Data accuracy is at the heart of what we do

Data accuracy is at the heart of what we do

Your credit report is a personal history of your borrowing behaviour – the credit you’ve had, and the repayments you’ve made. So it’s crucial that you want the data and information it contains to be 100% accurate.

In 2013, Experian provided credit reports to around 2 million people, and answered more than 3.5 million calls and requests for help and support. Any discrepancies in credit reports are looked into immediately– in fact, many of the queries received via our award-winning call centre are sent to the lender within one hour of receiving them, raising disputes for people while they are on the phone.

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