You have passed a very important milestone, and now, a step closer to having your credit file cleaned. A copy of the Credit Disclosure Request letter has been emailed to you. Edit the letter as required and forward to your credit provider.
Mark in your email calendar the date when you sent the Credit Disclosure Request email and set a reminder in 14 days. Continue with the consultation when you receive the requested information, if not;
If there are no replies, send a follow-up email by forwarding the original request after 14 days. CLICK HERE for the follow-up email template. Mark in your email calendar the date when you sent this follow-up email and set a reminder in 7 days. Continue with the consultation when you receive the requested information, if not;
If you have not received the information in 7 days (which is 21 days from the original request email), make a second follow-up by forwarding the first follow-up email. CLICK HERE for the second follow-up email template. Mark in your email calendar the date when you sent this second follow-up email and set a reminder in 14 days. Continue with the consultation when you receive the requested information, if not;
In the event that you do not receive the information after 14 days (which is 35 days from the original request email), email the industry ombudsman or lodge a complaint on their website. Ensure that you attach the emails you sent to the credit provider requesting for credit disclosure as this will strengthen your case. CLICK HERE to go back to the MEMBERS ONLY area, go to Step 3: Library and click the EXTERNAL DISPUTE AUTHORITIES & THEIR ONLINE COMPLAINTS FORM tab for the List of Industry Ombudsmen.
FOLLOW THESE STEPS AFTER RECEIVING THE REQUESTED CREDIT DISCLOSURE INFORMATION:
1. Make a copy of all correspondence.
2. Make a directory or folder on your computer to record and store all notes, files and/or correspondence.
3. Watch the video on ‘How To Read Your Credit File’ to sort documents by date order.
4. Note all errors stated in the credit provider’s correspondence, including amounts, names and addresses.
5. Compare the contents of all correspondence with the contents of your credit file.
6. Note any small errors or differences between the documents. Any error is a potential breach and maybe grounds for removing the default.
7.Return to the MEMBERS ONLY area and continue with Step 2: Consultation.