I've 設立する an error on my credit 報告（する）／憶測

By This Is Money
Updated: 14:13 BST, 28 August 2008

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My partner and I 計画（する） to 適用する for a mortgage in the next six months so we thought it sensible to check our credit 報告（する）／憶測s.

My 報告（する）／憶測 is 完全に 罰金 except that an error on the part of 動きやすい phone company O2 has not been 訂正するd.

The error occurred in 2002 when I cancelled a 動きやすい phone 契約 but they continued to 法案 me. After three months they sold my 負債 to a 回復 機関 and after much letter-令状ing and 口論する人ing the company 認める it was at fault and I was told the 負債 was （疑いを）晴らすd.

However my credit 報告（する）／憶測 shows two 警告s for late 支払い（額） and one 'danger' 警告 for a very late 支払い（額） which have not been 除去するd. What can I do about this and will it 影響する／感情 my chances of getting the mortgage we want?

K.J., Nottingham

James Jones, 消費者 education 経営者／支配人 at Experian, replies: Your 決定／判定勝ち（する） to check your credit 報告（する）／憶測s before 適用するing for a mortgage was very sensible. It's so much better to sort out any discrepancies now rather than to wait for them to surface when you're about to 交流 契約s.

You are certainly 権利 to be 関心d about those late 支払い（額）s, even though they're only 比較して minor. Because of the 現在の credit squeeze, many banks and other 貸す人s are looking at credit 使用／適用s much more closely than before. As a result, minor 行方不明になるd 支払い（額）s that might once have been overlooked are 原因（となる）ing 増加するing problems for applicants.

A poor credit check probably means that any credit you are 申し込む／申し出d will be at 賞与金 率s, so it really is in your 利益／興味 to 始める，決める the 記録，記録的な／記録する straight and make sure your credit 報告（する）／憶測 looks as attractive as possible.

Assuming you got your 報告（する）／憶測s from Experian or CreditExpert, get 支援する in touch with us and point out the discrepancy. We will 追加する a '論争' 旗 to your 報告（する）／憶測 and then 接触する O2 on your に代わって to query the （警察などへの）密告，告訴（状）.

Hopefully they will quickly agree to 修正する your 報告（する）／憶測, giving you the green light t o start looking for a new home and a 広大な／多数の／重要な mortgage 取引，協定. Good luck.

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