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Originally Posted by hezzabell
Virgin do not really do a credit check with Equifax - i know this as they refused me credit and refered me to Equifax to find out why. Imagine my surprise to find out that there have been no checks on my credit and my credit rating is excellent. Am now locked into battle with them until they sort themselves out and issue an apology at the very least. Standards have fallen to an unacceptably poor level, but it seems that this is a problem with all the networks. As consumers we are yet again being stuffed and with so few suppliers we are caught by the short and currlies. Rubbish.
Anyone else with this issue from Virgin - go to equifax.co.uk and get your credit report free, once you have established that Virgin are at it get onto their website and look for "contact us" at the bottom of the page and then click on "send us an email". Don't let them get away with it. It's your credit and your reputation they are holding in question.
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Hezza, Virgin use multiple credit reference agencies and are likely to use either Equifax or Experian, both are independent but widely recognised credit reference agencies.
What do you think emailing Equifax is going to achieve, they hold credit records that are submitted to them by other financial institutions. If you apply for credit then your provider will check amongst potentially multiple credit agencies... i dont see what your argument is for and what point your trying to prove? What should people email Equifax about, and what are they looking for on their credit file?