Background
Charlotte's file had been merged with a former tenant carrying multiple defaults and a CCJ.
The challenge
Two lenders had already refused to correct the mis-link on request.
Actions taken
- Bureau disaggregation requests to Experian, Equifax, TransUnion
- Direct lender challenges with tenancy and identity evidence
- Confirmation of updates across all bureaus within one refresh cycle
Outcome
8 entries stripped, Equifax score up 187 points, mortgage refinance approved.