To add , don't carry on applying all over the place for credit in the interim. This will leave footprints on your profile which will only give you more problems. Also, I'm still paying my way out of credit stupidity from when I was your age. If you can avoid 'having' to borrow money then do it. Borrowing money seems much easier than saving and sacrificing at the time but it's also too easy to be stacked up to the hilt with debt for nothing.

Good luck.

JJ

It depends on the inccuracy and the company involved - The info provided by Experian & Equifax is pretty easy to understand, so read and follow their instructions.

it is mainly just a case of writing and formally saying that either a) it is nothing to do with you or b) getting the lender to remove it (the latter isnt always as easy as we would like). 

I have sent off for equifax and experian
waiting for themt o come through post
so if theres wrong information on there How do you go about removing it?

Get your credit reports from the various companies, and check through them carefully for inaccuracies.  Follow the companies instructions on how to correct any you find.

Once you have a better understanding of your current state you will be in a better position to discuss credit with lenders.

hi there i've recently just turned 18 and i can only have one contract phone wich is all i need but only got accepted on one network. i tried getting a bank loan for a car but they said they have some 1 else at my adress with the same name but a different year of birth. also companys have asked for copies of my passport so ive sent them and they still refuse, i need to get a loan for a deposit on my apartment and to pay mum and dad off