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Non Exisitant Credit File
Hi, I'm 26, was employed until from 16 year old to 22 where I left work to raise my son. Never had credit in my life as always outright purchased everything. I pay my OVO direct debit on time month after month and had the same bank account since a very young age, Applying for credit I fail, trying to search for my credit…
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santander email + defaults
I want to send them the email below does anyone know what the email is? I have decided I don't want to send a letter as I dont want them knowing my current address, as I'm guessing they will ignore me and harass me with threats instead, but I gotta give them the benefit at first. If the "closed date" is correct then it…
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HSBC randomly defaulted savings account !!!
Hi guys. Hoping for some advice. Am due to apply for a mortgage soon - had past credit issues and defaults but have had good progress and everything is looking much better with all but one of my defaults about to fall off! Anyway after seeing my mortgage advisor on Saturday I looked at my equifax report (I usually keep a…
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Experian vs Equifax
Hi all, I really need some help, I am getting divorced and I need to get a new mortgage to take the house over but I keep getting declined, I joined Experian and my credit rating is good/excellent so I was confused, so I joined Equifax and with them my credit rating is poor, HOW CAN THIS BE?? I called Equifax and got…
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File removed from credit file
Hello I'm new to this! in april 2016 a credit file for a loan I didn't pay back will be removed Does this now mean my credit rating will go up? Thanks for your help.
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Experian showing bank account as credit account?
Hi I have checked my credit report with Experian and it shows my current accounts as 'non revolving credit'. I understand this type of credit to be a borrowed lump sum payed back in installments? I have more than one current account as I keep bills and wages separate, and I am third party on an elderly relatives account in…
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Bank Account on Credit File
Dear All, Apparently I opened a bank account with Santander in Spring 2010 and have never received anything from them. A few months ago I started getting statements from them. No overdraft on there and no balance either. I tried to register the account to access online banking just to check it out but it said I wasn't…
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Removing default 3 months before 6 year drop off?
Hi, Looking for a bit of advice! Is there any chance my partner will be able to get a default removed from his credit report with just 3/4 months left before the 6 year drop off? My house is on the market and we're looking at accepting an offer made yesterday. We will then apply for new mortgage in both names but this will…
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Early default removal tactics
Hi everyone, we are desperate to buy our next home and the major stumbling block is that my wife has a default on her credit file from 2011. At the time she was in a DMP and her debts were being paid by the DMP company CCCS (now all paid). Unfortunately the way they paid her debtors meant it generated a default on one of…
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Retired and can't get credit score
I'm a bit shocked: I did the soft credit check through the MSE website. It has come back that I am only eligible for card for low credit rating people. I know my credit score is better than that. We have had a mortgage and credit card for many years and have never defaulted. The only thing I can think of is that now I'm…
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O2/Lowell
Hi all, Mortgage application rejected... apparently experian don't report the same info as equifax. So i now begin the tedious task of amending everything on experian, at £14.99 a month:mad: To start with... A default for £19 from Lowell Portfolio. Settled March 2015. Defaulted the year prior. I paid this as soon as i…
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Equifax/Experian Credit Report no Debts on it
Hi Ive just signbed up to Equifax and Experian to check my credit report as I am considering applying for Bancruptcy but when I've signed up although it has found all my addresses and financial associations it doesnot appear to include any of the debts that I am expecting. Will this change? I also tried Equifax and Noddle…
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E2Save - cancelled contract
Hi, Hopefully someone will be able to offer advice on the best steps to take. In May 2015 I took out a contract through e2save with the ID network. I then changed my mind and refused delivery with dpd and asked the phone to be sent back. I emailed e2save the date i refused delivery and cancelled the agreement, they told me…
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Accounts reported differently?
HI, Looking for some advice! I have got hold of both my equifax and experian credit reports however there are some discrepancies. Accounts shown as settled with no defaults on equifax are showing as defaulted on Experian? Is this right? Do i need to contact experian to amend this? I had to fight hard to get them removed…
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Linked address
Hi, I had to have a property repossessed in 2011 and subsequently went bankrupt later that year. I am currently tidying up my credit file and one of the linked addresses on my callcredit/noddle report is the RBS mortgage centre. I asked for this to be removed but noddle have contacted me today and said that the bank won't…
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Cabot/Mortimer clark
Hi all, I was hoping someone can advise me on the following subject... I had an old debt with Halifax which Cabot seem to have purchased.this debt became statute barred in 2011. Mortimer Clarke wrote to me with letters saying that I owe money and applied for a ccj,rather stupidly I ignored these letters and was issued with…
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How to remove old accounts
Years ago I fell for the debt consolidation company promise which turns out to be a big mistake, I now have a old bank account which went into arrears and is really hurting my credit score. turns out I was paying the debt company money and then they were paying a small amount to each of my credit card companies.. however I…
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Historic MBNA Debt
Hello Apologies if this has already been discussed before. I don't get on here too much. In 1997 I took out an MBNA Credit Card, and ran up £3,500 limit, which then defaulted in 2000, and was handed over to Wescot Credit Services. I set up a Standing Order with Wescot and have been paying £30 a month (reducing to £20 a few…
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Legal advice
My partner has suffered substantial financial hardship, not to mention a great deal of stress and anguish from an emotional and practical level, as a result of a colossal error made by Barclays Bank plc. Without sharing all the finer details at this stage, the crux of this error is that despite settling a debt to Barclays…
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Default Notice not received
I have a default notice on my credit file which I was previously unaware of. I have issued a complaint to the creditor who advised that the default notice was issued by email in January 2013 - they state they are unable to provide a copy as the default email was sent as a batch email to all relevant customers. I have…