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can you.... obtain credit files
Can you obtain credit files for friends? I recently loaned an old friend some money to see her through a difficult time. I wasnt much better off and she knew I needed the money back - and promised - seeing as her partners new job was paying more than double my own take home pay. They money never got paid back, and she has…
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Help Please Lloyds Tsb closed account and Credit Card and Bank of Scotland
Hi guys, I am with Lloyds Tsb from last 5 years and everything was going fine they have given me 7500£ credit card and 3000£ Overdraft which I always paid back on time. Three months back I applied for Bank of Scotland credit card via online application form which was approved initially. But on the very next day my Lloyds…
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6 Years
Hi Guys, Looking at my Noddle report, it says that the old accounts get removed 6 years after the account was CLOSED. After reading numerous things on here i was under the impression it was removed 6 years after the account was defaulted. Anyone know which is it? Adds another 4 years on to my credit file. Account start…
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Credit score and ex
Not sure if this is on the right board so feel free to move it if needed. I am hoping next year to apply for a co-ownership mortgage. My credit scores are good 986 on experian and 4/5 on Noddle. My worry is that my ex-husbands score would be really bad. I have discovered today that his mobile phone which he must have…
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Does changing your bank affect your credit rating?
I'm looking to buy a house this year and have been trying to ensure all old credit cards are formally closed so I can ensure I have the best credit rating I can before I apply for any mortgages. One thing I remember when applying for credit (a while ago) was one of the questions was your bank and how long have you been…
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Every Little Helps?
Would it help my credit rating if every month I paid the balance off my credit card and used it to do my online food shopping? I won't be paying much off it, but will obviously be paying it off every month, then starting again. Will this be a good step towards building my credit rating or not? Its the only credit card I…
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Noddle score 2/5 - no late payments
Hi, I had a look at my Noddle / Callcredit score recently and I'm utterly confused by the 2/5 score. Noddle successfully found a lot of my accounts, including a couple of credit cards, a loan, a few current accounts and a phone account. From all of these, there are no late payments at all. I'm also listed as being on the…
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Secure Trust Bank
Hi, wondering if anyone can help, Ive just opened a Secure Trust Bank account (yes i know I have to pay for it but I need to manage my money carefully to stop myself going silly!!) Does the Secure Trust Bank Account show on any credit reports as a current account? Thanks S
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Credit File Search with Linked Address - advice?
Hi there, On my credit file with experian there is a search from a company from around 2 years ago. At the time I was applying for credit for car finance, and they asked me what my last address was - I told them the address (which was my mum's house). So now that search has given my a "linked address" to that address. I…
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Equifax VS Experian
I am a bit confused on Equifax i have an excellent credit score and experian i have a poor one ?? Confused ......
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Help with defaults needed
I recently got an online 30 day free deal as I knew my credit rating has issues and it was time to get to the bottom of things to fix the problems. After fixing all the obvious parts I found two things which seem odd. I have two outstanding debts from previous hire purchase agreements, I defaulted on these and they went to…
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Not sure if this will count as late payment on my credit file
I am just waiting for my credit file to be updated with an alias - my maiden name after getting married last year. A the moment only accounts in my married name appear. We are about to apply for a mortgage and as far as I am aware have a completely blemish free record apart from one potential issue. Wonder if anyone can…
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Mortgage with default?
Me and my partner are looking to obtain a mortgage in the next few months. He has an excellent credit score with no blemishes. I on the other hand have a default on my account for the sum of £200 it is satisfied and settled and has been for two years. I know most people say this but it was an unfair default as the company…
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Credit File does not exist
Hi, I'm wondering if anyone has been in same situation or if anyone has advice on this matter. My partner and I are trying to sort out our credit files to apply for a mortgage. I am currently cleaning mine up, however every time my partner tires to apply for a copy of his from each of the credit agencies, he is told it…
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O2 sim-only on credit file?
O2 do a monthly rolling sim-only contract - i.e. no commitment. Does anyone know from experience if this shows on your credit file? I know the 12 month sim-only ones do but can't find any info on the monthly ones. It's to help add some positive history to my credit file.
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Credit file gym default
Hi, I recently acquired a copy of my credit file from experian as I am planning to buy my first house. To my surprise I found out that it has a default placed by harlands finance of £600 for the gym membership that I had cancelled back in 2010. At the time I was 4 months in to my gym membership of 24 months contract and…
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Removing incorrect address
Hi. It appears 1 (maybe more) credit rating agency have been given an incorrect address for me. Do I need to complain to the card issuer to get it removed or should I write to the agencies and get them to remove it. Basically when I told thecard provider I'd moved house they misheard/mistyped/misunderstood or else I told…
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Which Credit Report
Hello I'm new too all this and I'm sorry if this has been asked before. I'm looking to find out which credit report is the main one that lenders look at as I've looked at the following Call Credit, Equifax, Experian - all on free trials and they all give me diffrent information. In the end I've signed up with noddle which…
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Default and Mortgage
Just wondered if anyone can give me any advise. I have a default for £1500 with Barclays which is satisfied and due to be removed in April 2014. I have a 15% deposit available and have found a house I want to buy (currently living at parents due to separation) but am really worried about applying for a mortgage and being…
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PPI Success and Default
I have recently had a few successes with PPI refunds for accounts that werein default. Do you think I could argue to get the default removed? My complaint was thatI lost my job and couldn’t work due to illness, and couldn’t make the payments,whilst all the time I had PPI and was never advised that I could claim on it.My…