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Credit file & ratings

Archives for May 2013

Credit file queery
Hi all. I am looking into cleaning and rebuilding my credit report/history having been discharged from a joint IVA back in Aug 2012. The IVA has been removed from my report and over the last few months the score (I know it doesn't mean much) has slowly been improving to a fair score of 797 with Experian. On Noodle it is…
Why do companies think my financial circumstances have changed when they haven't?
Due to circumstances beyond my control in 2008/9 I lost my job and ended up in severe debt. Although I am currently unable to work due to disability I have worked hard to try and improve my credit rating and make payment arrangements with debt collection agencies. Due to my circumstances, these payment arrangements are…
Check my file trial or 3 reports?
Hi, I want to have a look at the damage on my credit file. I know it's poor but I have some defaults with Vodafone that should be coming off now. I'm not bothered about my score as such I just want to make sure the data is all right as I have moved about a lot in the last 3 years. I am also not applying for any credit…
comet store card nightmare
hi all I am currently trying to clean up my credit file but have stumbled on a problem with one of my previous lenders. comets as we all know , no longer exist . can any one please advise me on who to contact to settle accounts for comet store cards ?? its one of my last "loose ends" and I really want to get it tied up. I…
Bad credit advice
Hi all I hope you can help I have two questions... Here is a brief history... I went Bankrupt about 5 years ago. I have Built back a little credit and now have my own bank account And insurance paid monthly etc but my credit rating is very Bad obviously. I pay equifax £6 per month and have written To a few of my old…
asking for your credit rating leaves a foot print?
Hi All, I've tried searching but as you can imagine with words like "credit search" & "reference agency"...there is loads of everything comes up. I'm looking at a first mortgage in the next couple of months so I've checked my credit rating with Experian,all seems correct,however,I would like to check it with another CRA…
Advice on my credit file?
Firstly, sorry if this is in the wrong place as i'm new and completely lost. I am writing because i am trying to improve my credit file and have been reading about people getting defaults removed from their own files. I don't know if there is any chance but would like to know where i stand. Basically, a while ago i took…
Problems obtaining credit file
I've been trying to access my credit files online. I've tried the usual 3 (Experian, Callcredit and Equifax) as well as Noddle and all are asking me to send additional ID before they will grant me access to any reports. The problem I have is they need either a utility bill or a bank statment with my current address. I've…
Should I just pay?
I was checking the Noddle credit report and found I had an outstanding debt on an old joint account with my ex-missus. I left it empty when we split up. Then she withdrew £820 and didn't tell me and the bank have a note against my name - but didn't even contact me. What should I do? Pay the debt and try and get it back off…
Bad Credit Mortgage - Considering Bad Credit Card
Good afternoon, I currently have a bad credit mortgage and have had one now for one year, in this time my extensive defaults have all got one year older, I have had no missed payments and no further defaults, my bank account (joint with my now wife) is kept in credit of around a few £k's and all of our bills are paid by…
Credit file - Electoral Roll - 'Restricted Use'
The electoral roll section of my credit file is reporting 'Restricted Use - Yes' under my current property, but is showing 'Restricted Use - No' under my previous address. I seem to remember when joining the electoral roll this time that there is an option about how publicly available your information is - is this what…
Credit Report & Addresses
Hi everyone, I'm thinking of hopefully applying for a mortgage in the near future and have a query about my credit report. Basically I am renting at the moment and have done for the last five years so I have a couple of past addresses. Address A is my parents home, which is where my bank account and credit card details…
Virgin Media Default
Hi Everyone I had an incorrect virgin media default registered to my name from a previous address, only noticed after being rejected for a mortgage last year. Finally after months of phoning and getting nowhere, as no one i spoke to seen any problem with the account which was closed with no balance, i finally spoke with…
Weird credit refusals since moving house
Totally baffled by this one and hope someone might have some ideas. I moved to a new flat in January and have since been having some problems related to credit checks. The first and most ridiculous was that I asked for the pre-pay gas meter in the flat to be replaced by a standard meter, but failed the credit check. I…
Equifax is slow
When I want to obtain a report from Equifax online, it takes maybe 5 minutes to actually do so! Have to reload the pages a couple of times etc.. Is this how long it takes for anyone else?
Flat number or not: what to do
I've seen a lot of threads "warning" about the poor way that credit reference agencies handle flat numbers, but those threads don't say what to do about the issue. So here's the thread to tell people what to do. I'm going to suggest how it should be handled, as a victim, sorry, consumer, and then hope that people better in…
Three Credit Check
My wife applied for a sim only data contract with Three about a week ago, there has been a confirmation email and a direct debit set up on her bank acc. However she has still not recieved the sim card, could she have failed the credit check? Cheers
Why do people waste money with the online credit reports
I dont understand why people waste money on monthly subscriptions for various credit reference agency when you can get the report anytime for £2.00 by post It makes no sense...... You know what people say about fools and their money!!!
credit report advice
hi, a couple of years ago i signed up to experain credit expert and cancelled it before the free month was up. i now want to check it again but a cost of around £15 per month seems a bit to much. however i have been looking at adding barclays credit manager for a cost of £5 per month to my currant a/c. my question is does…
Help!!
I'm confused.... I had n account with Littlewoods in 2004. They sold my account to a debt collection agency in April in 2007 and was marked on my credit file as settled. (this has now dropped off my credit file.) with equifax, experian and noodle. The same month a debt collection agency took on the debt. I never…

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MSE News

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