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Slightly complex default question
Hopefully looking to get some insights please! I have a default on my account, which was last updated this month on my report: Account start date 24/09/2011 Opening balance £ 167 Repayment frequency Monthly Date of default 20/06/2012 Default balance £ 167 I had disputed the debt, following advised steps, asking for…
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Debt sold
Hi, I am paying off two old debts , one which has been sold to Lowells and another which is with Wescott. I originally thought that the Wescott one had been sold, but i have noticed that they've just been instructed by HSBC to recover the debt rather than them buying the debt. My questions are 1 - How long will it be…
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Credit file companies?
Hi guys and gals, I'm a long time visitor, first time poster to the forums, and hope you all can offer some advice. Shortly after Christmas, out of desperation I stupidly applied for a loan online, the loan application was turned down. Now, when my wages were paid in February, a company called "ldc*credit-desk.co.uk" had…
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Set aside CCj
Hey, I have just got back from court today, The claimaint, Lowell Portfolio didnt show up, which I assume worked in my favour. Anyway, I managed to get my CCJ set aside. :j I have been told I have 14 days to file a defence. So now I am not sure what action to take and what the process is now. I believe the debt is Statute…
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Problem with partners credit report
Myself and my partner are trying to sort out a mortgage. I currently own my property with my ex but want to change this. My boyfriend as a level 8 default on his credit rating. It is with lowell. They brought the debt from provident for over £400. However, it was my partners ex wives loan. He as just phoned lowell who say…
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Unused Bank Account.
All the cra's Ive used advise close down unused back accounts. I appreciate this maybe for potential fraud purposes. I have one such Halifax account, not used since 2012. For entertainment purposes,what if any affect does this have for credit report/score.:D
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Just Noticed a Vodaphone Default That Shouldn't Be There
I applied for a vodaphone phone last year. Was sent it, mistake on the bill straight away (the account was shut off because I owed £39 within two days of receipt of phone because DD hadn't been set up, I found this out when the phone stopped working). I immediately realised the nightmare stories about Vodaphone were all…
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Miss payment reporting
What makes a payment to a credit card show up as a missed payment on credit history? I pay one cc on 24th of each month (payday), each month on clearscore I have noticed the 'O missed payments' for the last few months and the 'balance' on each month is different to the 'current balance' Also the 'balances' don't add up…
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Changed address now I can't get credit?
Hi All, Can anybody shed some light on this as it's driving me mad. I'm a forces wife so I've moved alot (4 addresses in the last 3 years... to give you some idea). Anyway, signed up to Clear Score and my score is "good" right now. Applied for finance on some sofas back in Dec 2015 - got it just fine. Same with my car…
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Credit report
I recently checked my credit score with noddle. It was very poor. It looks from what I can see that there is two unpaid phone bills on my report. Would this be enough to leave me with such a poor score?
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How are payday loans displayed CRA
Hi there, A while back I had a loan with lending stream and another with satsuma to cover a shortfall in funds the week before my wedding, seemed much quicker than running around the banks. Now I am far more settled with cash in the bank I want to apply for a mortgage, my credit file shows these as settled 'instalment'…
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Equifax slow to remove 6yr defaults
Does anyone know why Equifax are slow to remove 6yr defaulted accounts from credit file. Had two defaults which should have come off this week 31/05/2010 and 3/6/2010 they are both off experian and noddle/call credit. Experian are still reporting them and a quick search suggests Equifax are slower to stop reporting them by…
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Credit Unions and Credit Reports
Quick Question from a novice... Do credit unions show up on a credit report? If a deposit has been made into a credit union do these show on a credit report at all? likewise does a loan from a credit union show on a report as well. Many thanks in advance.
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Preparing for a future mortgage application
My partner and I have had some rough patches in our credit history but we're looking to buy a house within the next few years. He is currently in a DMP but we are looking to clear off what's left within the next year as it's not that much anymore and with the DMP it will take ages! I have a 1 or 2 defaults, the latest…
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Another address on credit file
I'm looking to buy a house (when I can finally find one) but have had a few addresses on my credit file due to renting and having to move frequently. I don't have much luck with rentals and my current and last landlord have decided to sell the property, forcing me to move. So, having to move again soon and am concerned…
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Car finance 24/7
Hi I recently applied for a loan to buy a new car through car finance 24/7, however on checking my credit file I've noticed that 9 credit searches have been carried out, 2 by the same company, is thus fair as it gas really knocked my credit rating.
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Will a notice of correction help?
I have 2 satisfied CCJ's on my credit file which were because I wasn't able to pay my water bill and my council tax. One is from Oct 2012, the other is from 6 months later. At the time I was really ill, I'd just was diagnosed with MS a year before and my MS had relapsed massively, and I was broke because my ex suddenly…
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Cancelling credit card application after credit check
I applied for an AA credit card and they've asked for some extra ID from me before they can make a decision. I'm fairly sure they've already done a credit check. I've decided I don't want to provide the ID, and I'd therefore like to cancel my application. However, I'm concerned that it might look bad on my credit file if…
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Close credit cards to improve score after missed payments?
Hi, Background I have had cashflow issues in my business for 6 months+. I used credit cards previously to survive, have had 4 cards in total, so I could transfer balances around interest free (as much as poss). Despite keeping payments up for most of my financial problems, the last three months I have had missed/late…
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Credit check when returned to UK after 4 years
Hello all I was resident in uk four years bk, had to leave UK when my visa expired in june 2012. I had a credit card of abt 3k pounds unpaid and bank overdraft of 800 pounds. I checked few months back the ccj register and i had a CCJ registered against me in August 2013. I am returning back to uk after a period of four…