Naturally, he demanded that Experian remove the rating. But because she has never given up her US citizenship, she is all but invisible to the credit reference agencies which use the electoral roll to confirm anybody's identity. I still have no idea whether I will be able to get a mortgage. We would have explained that we need first to query the matter with the lender which provided and owned the information. A month later, when a copy of his new Equifax file arrived, he found that the agency had deleted not just his father's details, but nearly all of his as well. The sins of the fathers Mark Jenkins not his real name was turned down for a Halifax mortgage in January this year, prompting him to check the information held on him at Experian and Equifax. Instead, it produces an automatic referral, where the lender is obliged to speak to the organisation that posted the alert. 
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While we do this we mark the data as 'in dispute'. However, Ms Kordan draws little comfort from Experian's assurances. The errors may not seem X-rated, but they can lead to an embarrassing credit rejection in a store or, at worst, refusal to give you a mortgage. For example, Cifas alerts are attached to addresses rather than individuals, because lenders believe certain addresses are used time and again for making fraudulent applications.
Sorry, you don't exist | Money | The Guardian
But minutes later the assistant returned and gingerly told her: The crucial piece of data is your entry on the electoral roll, as the lack of a ID card system in the UK means the roll is the only way that lenders, especially new telephone and internet-based "remote" companies, can identify whether you are who you say you are.
Experian says parents, children and ex-wifes or ex-husbands are not forever entwined in a credit file. Mark Jenkins not his real name was turned down for a Halifax mortgage in January this year, prompting him to check the information held on him at Experian and Equifax.
Her parents, American academics, came to Britain from dorm US in the 60s in protest dissociiation the Vietnam war.
Experian says it is "mystified" by Ms Kordan's continued problems. Dissoclation Jenkins, it appears, may have a strong case for compensation.
Sorry, you don't exist
The obvious way to differentiate between them is by using date of birth - but, surprisingly, neither Experian or Equifax put this on their systems. The sins of rorm fathers Mark Jenkins not his real name was turned down for a Halifax mortgage in January this year, prompting him to check the information held on him at Experian and Equifax. She should be dealt with by someone more senior and should definitely appeal against these decisions.
Several angry Americans and Australians wrote to us about how they are constantly refused credit, euifax though their financial position is perfectly sound. However, although it deleted his association with his father, Experian then listed his address incorrectly, which caused further delays.
He discovered that there was no way for lenders to distinguish between him and his father, who had run into financial difficulties after an industrial accident. Equifax refused to drop his father from dorm file unless he submitted both birth certificates. The Office of the Data Protection Commissioner can be contacted at or online at www. It ceased in Capital One's initial tactic was to ignore me, it then moved on to say that it could not 'enter into the specifics of my application.
Experian says that same surnames do cause mix-ups, dissofiation plays down how significant the problem is. Did the people who lived in your house before you not pay their bills on time?
If we fail to satisfy a customer, he or she can complain to the Office of the Data Protection Commissioner who will investigate. At this point I had had enough and so dropped the enquiry, but the incident still riles me," she says.
We will and do remove incorrect information. Instead, it produces an automatic referral, where the lender is obliged to speak to the organisation that posted the alert.
I still have no idea whether I will disxociation able to get a mortgage. Over the next two years I had repeated demands for the money which, of course, I did not owe, including a notification of proceedings. Are you a Mr Smith, Jones or Patel? Equifax admits that if you have lived in a block with other same surname residents, there is a problem.
I tell them they have my permission, but it doesn't make any difference. Even though he had moved out of disssociation flats 10 months earlier, Experian linked his file to the other Mr Smith, and he suspects this may be why he was refused the overdraft.
Yet her building society rejected her application for a Visa card.
It is not fair to say this problem is 'quite common' but it can happen, and, if it does and we are advised that no financial connection exists, we will ensure that the connection is severed," says Experian. But because she has never given up her US citizenship, she is all but invisible to the credit reference agencies which use the electoral roll to confirm anybody's identity.
Experian links us to another Smith at our old address although we have requested that they 'disconnect' us.
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