Online Tech Advice Please - Need to clean up some personal details

[Fizzy Pies]

Sooo, like a numb fucker I've used just about every comparison site going in the past for bikes I have owned, and Pipe Dream bikes I never got around to buying  .

Then I started to take an interest in my credit score since were trying to start the process of buying our first home, so after buying a new car on finance and paying it off, phone contracts etc, never missing a payment, never bankrupt, I was expecting perfect, sadly all the searches for insurance has fucked it up!

So I'm looking for advice on how to get my details off those parasites websites and a few others too.

Thanks for reading about my woes  .

[lew600fazer]

Sooo, like a numb fucker I've used just about every comparison site going in the past for bikes I have owned, and Pipe Dream bikes I never got around to buying  .

Then I started to take an interest in my credit score since were trying to start the process of buying our first home, so after buying a new car on finance and paying it off, phone contracts etc, never missing a payment, never bankrupt, I was expecting perfect, sadly all the searches for insurance has fucked it up!

So I'm looking for advice on how to get my details off those parasites websites and a few others too.

Thanks for reading about my woes  .

Had a similar problem doing exactly the same thing , every time you click on an insurance site, credit card comparison  site, etc it affects your credit rating. I had a chat with my bank manager as the only finance I ever had was a mortgage, car loan never ever missed a payment. He phoned someone and the problem vanished, as you say parasite websites.

[ChristoT]

Wait, how does that work then? Curiosity (inquiring without any purchase) knocks the rating down!?? WTF?!?

[fazersharp]

The final click before your results is, do accept our terms and conditions, which nobody reads right? so you accept and hidden in there is, every quote we give on the list of companies we got you a price for may credit search you. THANKS   

I dont think that is it as that is just warning that if you take it ferther with said company then THAT company may thake a credit search.
What you say about just getting a quote seems wrong to me.
You say

so after buying a new car on finance and paying it off, phone contracts etc, never missing a payment, never bankrupt

I think that this IS the reason for your bad score because you have never missed a payment, and have paid off everything and the car may of been a while ago and now not included, so to them you are an unknown. If you have never missed a bill payment or anything then they have nothing to go on - unlike if you had missed one payment then you have a footprint they can look at and quantify. Thats what I think

[mickvp]

I was led to believe that most insurance sites did what's called a "soft search", I.e. it comes up on your report, but comes under a different section from "proper" searches for I.e. loans or credit cards.

Have you got your £2 statuatory report from experian (they post you a code, takes a few days), and Equifax (you get that instantly online) yet?
The other company to check with is call credit, but if you sign up for noddle, you get free access to that one

[locksmith]

 I'd be surprised if it was the insurance quotes as fazersharp said but maybe it's because you ask for quotes with a monthly payment?
I always pay in full and so click that button. I did my online credit check the other month and all was well I'm pleased to say!

[BBROWN1664]

I was sorting out my car insurance at the weekend and they said they would carry out a credit check. When I asked why as I was paying in full they just said, ok we won't bother.

[Tefer]

There is a site called Noddle, its like experian but free, they have a pro option but i don't sign up to that.


www.noddle.co.uk

[red98]

paying debts off early is not going to help......there not making the expected profit from you so bad customer.....i payed my mortage off early,dont own a penny to anyone,not even on a credit card,store card and no outstanding bills......my credit rating is naff ......there not making any money from me and not likley too so mark me down  ...its all a load of bo**ocks 

[fazersharp]

paying debts off early is not going to help......there not making the expected profit from you so bad customer.....i payed my mortage off early,dont own a penny to anyone,not even on a credit card,store card and no outstanding bills......my credit rating is naff ......there not making any money from me and not likley too so mark me down  ...its all a load of bo**ocks 

Thats what I was trying to say above. Also red98 because you have paid off your mortage if you was to apply for another you would be classed as a a first time buyer---more bullsh1t

[red98]

    thats funny fazersharp and interesting,iam thinking of buying a flat to let to help with my pension when i retire...going to use my savings as there not earning foc all at the moment and apply for a small mortage...so...does that mean i can take advantage of the first time buyers discount   

[fazersharp]

  thats funny fazersharp and interesting,iam thinking of buying a flat to let to help with my pension when i retire...going to use my savings as there not earning foc all at the moment and apply for a small mortage...so...does that mean i can take advantage of the first time buyers discount   

YES------------------------90% sure on that

[red98]

nice when you can score a point against the system   

[locksmith]

But you will need a buy to let mortgage and they will look at your credit score for that one

[red98]

thought of that    going to re-mortage my house that i own outright 

[richfzs]

still be a credit check!!

[red98]

yeh...dont want much compared to the value of my house ,should be ok.........what am i talking about,   IAM A FOCCER     course it will be alright ....

[goldfazer]

thought of that    going to re-mortage my house that i own outright 

Not a good way - the interest on the mortage won't be tax deductable as a mortgage on the let property would be! But if you get a better rate than a BTL it may work out just as cheap.

[goldfazer]

And yes, contact Experian. I had  one blip on my credit report which was wrong. Easily sorted with Experian and British Gas.