[thepange]

Just joined up to come on so I can come have a rant as this has just happened to me too!!

I have been with Telewest for 7 years & have never missed one payment. I always thought I had a good credit profile too, so was shocked to say the least when I was declined for this offer yesterday.

Was kind of paranoid that I had been the victim of identity theft or something terrible like that! Experian are doing the 30 day free trial service so I joined up & downloaded my credit file and right enough, squeaky clean report. I do have a mortgage, a car loan, and a couple of credit cards (that have a zero balance), so I do have a credit profile so to speak. I also requested my credit score which turned out to be 999 out of 100! So does that extra one point make all the difference??!!

At first I thought, oh well I'll just not bother chasing this up, but now I am on a mission to find out what they're playing at so I am in the process of writing a letter to the Customer Finance dept for an explanation. I am half expecting it to be an error they made when inputting my details, but I dont want to go thru another check before I find out, as this will look bad on my credit file.

Does anyone know if Experian and Equifax hold the same info on their records? I am loathed to pay Equifax if its going to be the exact same info I have got from Experian.

At the end of the day, this is such a brilliant offer, so I want to take this as far as I can to be accepted for the offer.

I would be interested to know if anyone has indeed been successful with this after being declined, and also any advice anyone can give me!

Thanks