Thank you for sending us your credit file. We have now completed our initial review and the details are summarised below.

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2 Credit File Review Your Name: Mrs Laura Williams Your Reference Number: CR Credit Reference Agency: Experian Date Review Conducted: 27/01/2015 Thank you for sending us your credit file. We have now completed our initial review and the details are summarised below. How We Have Assessed Your Credit File We have thoroughly read through your credit file and assessed each section. We have categorised each section as, or Red: : There are no adverse entries in this section. : There are adverse entries in this section that could affect credit applications. Red: There are serious adverse entries in this section that could affect credit applications. Where we believe improvements can be made we have provided you with easy to use template letters so that you can write to the Credit Reference Agency or your lenders yourself. At Open Resolution, we have a team of Experts that are experienced and competent in dealing with complaints in relation to credit, credit reference agencies, lenders and ombudsman services. If at any stage of the process, you would like Open Resolution to act on your behalf, please call us on or send us an to creditrepair@openresolution.co.uk Section Personal Information Public Record (Electoral Roll) Aliases Financial Associations Public Record (Ie, County Court Judgement, Bankruptcy) Credit Agreements Previous Searches Linked Addresses CIFAs Notifications GAIN Notice of Correction Classification Red

3 OUR ASSESSMENT OF YOUR CREDIT REPORT We have reviewed each entry on your credit report and based on this we that there are negative entries on your credit file as outlined below. 1. Personal Information There are some inconsistencies in the personal information in your credit report. Your report indicates that your name is Mrs Larua Williams. This may mean that some of the information in your report is inaccurate or relates to another person. We suggest that you write to Experian and ask for this to be corrected. 2. Assessment of your Electoral Roll details You are not registered on the electoral roll with your local authority. You can either register online at or telephone your local authority and ask for the Electoral Registration Officer. If you do not know your local authority, go to The electoral register is updated monthly. If you want your credit file updated more quickly you can ask your local electoral registration officer to provide you with a letter confirming your registration which you can then send to Experian. Please note however that the electoral registration officer may make a charge for this. 3. Assessment of Aliases Aliases on a credit report are other names that it is believed you have previously used. Your credit report indicates that you were previously known as and have had credit information held under Miss Laura Smith. If this is not correct, we suggest that you write to Experian and ask for this to be corrected. 4. Assessment of your Financial Associations details Financial associates are people with whom you have been linked financially, usually because you have had a joint account or have made a joint application for credit. If these are incorrect or you are no longer linked with the listed person, these should be removed. Your report shows that your accounts with NatWest are listed in joint names. If this is not correct, we suggest you write to your lender and ask for this to be corrected. Your report shows a financial association with Mr Tim Johnson. If this is not correct, you can ask Experian to remove this entry; this is known as a 'disassociation.' Where there is a financial association potential lenders can see credit information regarding the person with whom you are financially associated and will take this into account when deciding whether or not to offer you credit. If that person has a poor credit history this can have a negative effect on your credit score and, consequently, your ability to get the best deals. 5. Assessment of Public Record Information There is no listed public record information, such as judgements for debt. No action needs to be taken.

4 6. Assessment of your Credit Agreement details Section Account Type Issue MBNA Credit Card Missed payments Halifax Loan Account in default Lloyds Bank Current Account Account not in use Your credit report shows that you already have an amount of available and unused credit. This may affect your ability to obtain new credit. If you do not intend to use the available credit it may improve your credit file if you close these accounts or reduce your credit limit. There are entries on your credit report indicating you have had arrears and/or defaults on the accounts shown above. These are likely to adversely affect your credit score. If you believe that these entries are incorrect, we suggest you write to your lender and ask them to correct this or to provide a statement of the account showing when the arrears or defaults occurred. 7. Previous Searches There are no issues with previous searches on your credit file so you do not need to take any action. 8. Linked Addresses Your credit report indicates that you have previously lived at 5 Cardiff Road, Cardiff, CF10 3AG and 10 Cardiff Road, Cardiff CF10 3AG. Lenders will search for records about you at this address as well as your current address. If this address is incorrect, you should contact the credit reference agency and ask them to investigate this and remove this from your credit file. 9. CIFAS Notification There are no CIFAS notifications on your credit file. This indicates there is no record of any fraudulent applications for credit being made in your name. You therefore do not need to take any action. 10. GAIN There is no GAIN notification on your credit file. GAIN is a register of people who have left their current address when in debt and without notifying lenders of their new address. You do not need to take any action. Our assessment is complete, what happens next? If you have incorrect information on your credit file we recommend that you address the situation as soon as possible. Even if there is negative information on your file that appears correct, in certain circumstances this can be challenged and removed.

5 Open Resolution is a professional credit file correction company. We understand credit reports and the various laws, rules, regulations and codes of practice that determine what should and should not be reported. If you would like us to help you address issues in your report, contacted us now. On average it takes us four months to review and repair a credit file and if complaints need to be sent to the ombudsman service, it can take longer. So if you are looking to apply for credit or switch providers, the sooner you get the issues removed the better. Thanks to Open Resolution improving our credit scores, we have now been approved for a mortgage. The compensation we were awarded has helped us refurbish. Excellent service, excellent knowledge. Highly recommended. - Matt McHugh, Swindon If you do not have the time to write to your lenders yourself or if you are experiencing difficulties correcting your credit file, please contact us on or creditrepair@openresolution.co.uk. We offer a range of service. Our advisors will be able to recommend the best plan for you. Open Resolution Capital Tower, Greyfriars Road, Cardiff, CF10 3AG creditrepair@openresolution.co.uk Tel: Web: Open Resolution is a trading name of GoRepairCredit Limited. Registered in England and Wales Company Registration Number Authorised and regulated by the Financial Conduct Authority Authorisation No

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