I applied for a littlewoods register, spent 200 pounds on it. I get a notification proverb? that i due to further credit checks my account will be closed

that i due to further credit checks my account will be closed and i can income back the money as usual. This self due to 'adverse credit'
So i called them as i enjoy not 'adverse' credit. I have get 2 credit cards with scarcely nothing on them and an overdraft that i dont use. So i go on experian and got my report. My credit score be 766 which is deemed as 'fair'. I dont own any outstanding bills or anything like that. So how can they say aloud i have 'adverse' credit? When a credit poke about is done i thought they just read out yes or no. Shouldnt this just be refuse when they do a credit check? They may have you confused near someone else. Or they have incredibly high standards as to who they will grant credit to. You really need to phone call them and see what the story is.

Trust me - close your vindication with them, I own been a customer for 20 years and their service have, over the past few years become abysmal, I own just cancelled mine. If you want a directory select another company.

It may be because you don't hold much credit history. They're not legally bound to endow with anyone credit. You should ask for a fuller explanation though in crust there have been a mix up!

As well as experian, you may also want to check beside Equifax and Callcredit.

All three of these companies are used in credit checking.

Answers: Hi
It does all nouns a bit odd on their behalf, usually that type of mail command retail have a low threshold for credit espousal, it's how they make their money by charging much complex prices than you would get elsewhere to cover a high rate of defaulters, but none of that helps you. You own a few options. 1st if you really want to hold on to the account next write a letter detailing pretty much what you own on yahoo with a touch more detail, tell them you are concerned roughly speaking your credit reference etc, you could throw within that you are writing to a consumer programme like "watchdog" on the BBC. Address the memorandum to the customer services manager and distribute a copy to the chief executive, shouldn't be hard to seize his/her name and address.
2nd You could write/and phone them and say aloud that you will return the goods to them next to as much original covering as you have, as they are choosing to close the vindication, this cannot be deemed to be your error, make sure if you do return the produce you send a reminder covering the fact that you own returned them and the account owes nought to them, put a note on your credit database too.
3rd
Just pay them sour with 1 of your credit cards, put a minute on your credit file that it's be paid and write a communiqu�� of complaint to the CEO to make you surface better.
The information that equifax has on profile for you may be different than the info that experian have, either by mistake or because the different credit scoring companies use different criteria, it's worth getting your folder from them too.
Good luck, I know how frustrating dealing with these computer driven companies can be.
Take Care
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