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James Jones is Experian's Head of Consumer Affairs. In this popular advice column James answers a regular selection of your topical questions about credit reports, credit ratings and identity fraud. You can find the top questions and resources, the latest questions and James’s answers below. You can also read previous Ask James answers in our five archives arranged below by subject, such as ‘Applying for credit’. And you can check out our comprehensive database of Credit Report Help Centre FAQs. If you have a specific question and can’t find an answer here please use the below form to submit a question. If you wish to contact Experian to query something on your credit report, please contact us.

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java.lang.RuntimeException: Failed to get data //mckwcmpap01/internet/main/global_sites/UK/WORKAREA/Content/templatedata/GlobalForms/OpenGraph/data/sample at com.interwoven.livesite.file.impl.CsFileDal.read(CsFileDal.java:183) at com.interwoven.livesite.file.impl.CsFileDal.read(CsFileDal.java:149) at com.interwoven.livesite.model.property.DCRProperty.fetchDCRXML(DCRProperty.java:329) at com.interwoven.livesite.runtime.model.page.RuntimeComponent.buildComponentTransformData(RuntimeComponent.java:319) at com.interwoven.livesite.runtime.model.page.RuntimeComponent.transform(RuntimeComponent.java:370) at com.interwoven.livesite.runtime.model.page.RuntimeComponent.transform(RuntimeComponent.java:341) at com.interwoven.livesite.runtime.page.PageTokenVariableComponent.transformComponent(PageTokenVariableComponent.java:315) at com.interwoven.livesite.runtime.page.PageTokenVariableComponent.renderNoCache(PageTokenVariableComponent.java:221) at com.interwoven.livesite.runtime.page.PageTokenVariableComponent.preRender(PageTokenVariableComponent.java:106) at com.interwoven.livesite.runtime.page.PageTokenContainer.preRender(PageTokenContainer.java:260) at com.interwoven.livesite.runtime.model.page.RuntimePage.transform(RuntimePage.java:421) at com.interwoven.livesite.model.page.PreviewPage.getBaseTransform(PreviewPage.java:218) at com.interwoven.livesite.model.page.PreviewPage.transform(PreviewPage.java:206) at com.interwoven.livesite.iw.servlet.preview.rendering.IntermediateRenderingManager.doOutputPage(IntermediateRenderingManager.java:277) at com.interwoven.livesite.runtime.rendering.RenderingManager.renderPageGoal(RenderingManager.java:386) at com.interwoven.livesite.runtime.rendering.RenderingManager.render(RenderingManager.java:256) at com.interwoven.livesite.iw.servlet.preview.generate.GenerateFilter.generatePage(GenerateFilter.java:132) at com.interwoven.livesite.iw.servlet.preview.generate.GenerateFilter.doFilter(GenerateFilter.java:75) at org.springframework.web.filter.DelegatingFilterProxy.invokeDelegate(DelegatingFilterProxy.java:346) at org.springframework.web.filter.DelegatingFilterProxy.doFilter(DelegatingFilterProxy.java:259) at io.undertow.servlet.core.ManagedFilter.doFilter(ManagedFilter.java:60) at io.undertow.servlet.handlers.FilterHandler$FilterChainImpl.doFilter(FilterHandler.java:132) at io.undertow.servlet.handlers.FilterHandler.handleRequest(FilterHandler.java:85) at io.undertow.servlet.handlers.security.ServletSecurityRoleHandler.handleRequest(ServletSecurityRoleHandler.java:61) at io.undertow.servlet.handlers.ServletDispatchingHandler.handleRequest(ServletDispatchingHandler.java:36) at org.wildfly.extension.undertow.security.SecurityContextAssociationHandler.handleRequest(SecurityContextAssociationHandler.java:78) at io.undertow.server.handlers.PredicateHandler.handleRequest(PredicateHandler.java:43) at io.undertow.servlet.handlers.security.SSLInformationAssociationHandler.handleRequest(SSLInformationAssociationHandler.java:131) at io.undertow.servlet.handlers.security.ServletAuthenticationCallHandler.handleRequest(ServletAuthenticationCallHandler.java:56) at io.undertow.server.handlers.PredicateHandler.handleRequest(PredicateHandler.java:43) at io.undertow.security.handlers.AbstractConfidentialityHandler.handleRequest(AbstractConfidentialityHandler.java:45) at io.undertow.servlet.handlers.security.ServletConfidentialityConstraintHandler.handleRequest(ServletConfidentialityConstraintHandler.java:61) at io.undertow.security.handlers.AuthenticationMechanismsHandler.handleRequest(AuthenticationMechanismsHandler.java:58) at io.undertow.servlet.handlers.security.CachedAuthenticatedSessionHandler.handleRequest(CachedAuthenticatedSessionHandler.java:70) at io.undertow.security.handlers.SecurityInitialHandler.handleRequest(SecurityInitialHandler.java:76) at io.undertow.server.handlers.PredicateHandler.handleRequest(PredicateHandler.java:43) at org.wildfly.extension.undertow.security.jacc.JACCContextIdHandler.handleRequest(JACCContextIdHandler.java:61) at io.undertow.server.handlers.PredicateHandler.handleRequest(PredicateHandler.java:43) at io.undertow.server.handlers.PredicateHandler.handleRequest(PredicateHandler.java:43) at io.undertow.servlet.handlers.ServletInitialHandler.handleFirstRequest(ServletInitialHandler.java:247) at io.undertow.servlet.handlers.ServletInitialHandler.dispatchRequest(ServletInitialHandler.java:234) at io.undertow.servlet.handlers.ServletInitialHandler.access$000(ServletInitialHandler.java:76) at io.undertow.servlet.handlers.ServletInitialHandler$1.handleRequest(ServletInitialHandler.java:153) at io.undertow.server.Connectors.executeRootHandler(Connectors.java:197) at io.undertow.server.HttpServerExchange$1.run(HttpServerExchange.java:737) at java.util.concurrent.ThreadPoolExecutor.runWorker(ThreadPoolExecutor.java:1145) at java.util.concurrent.ThreadPoolExecutor$Worker.run(ThreadPoolExecutor.java:615) at java.lang.Thread.run(Thread.java:745) Caused by: java.lang.NullPointerException: Cannot read file: //mckwcmpap01/internet/main/global_sites/UK/WORKAREA/Content/templatedata/GlobalForms/OpenGraph/data/sample at com.interwoven.livesite.file.impl.CsFileDal.read(CsFileDal.java:163) ... 47 more

Ask James advice column

How James can help you

Top questions and resources

Latest questions

Applying for credit

Electoral roll

Credit and Debt

Other people

Fraud

Ask James a question