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Default on Credit Report
Hi I was wondering if anyone could help? I was on a dmp and then went onto a protected trust deed (Scotland) and have just looked on Noodle and my accounts are in default since Feb 2012 (which I obviously knew about). My question is does every other month I pay my TD show as a default until I have settled the amounts?…
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Understanding linked addresses
Just trying to understand how linked addresses work. When a lender carries out a search, are reports created for each linked address? i.e. if some accounts were settled while you were at first address. Or, are all existing/previous accounts aggregated and show in a single search at your current address only.
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Improving Credit Rating with Default on File
Sorry... I previously posted this on what I thought was a new thread and then realised I had replied on someone elses post - so I have deleted that post (apologies) anyway here is my question... Hi, both me and my husband are trying to improve our credit ratings. My husband's is very poor with noddle scoring him 1/5 he has…
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credit report jargon
Difference between missed payment, late payment and default payment.
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Confused which agency to use?
Hi, Although I try to remember to cancel and close credit card accounts once repaid, I am not 100% certain that I always have in the past. Is there an easy way to find out what credit is still open in my name? I took a quick look at Experian but the reviews of this company and their 'free trial' (reviewcentre.com) has put…
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satisfied default loan options and 6 years almost up
Hi all, I have searched the net coming up with a MSE page that im not allowed to link to but it pretty much answers my question, I just wondered about this 6 year default thing? I take it the default is registered for 6 years from the date of adding and not from the date of satifying the debt? What happens when that time…
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Feels like i'm loosing the battle
Having been reading on here for the past few days that Equifax don't automatically remove accounts with default date over 6 years old I thought i'd best pay the £2 and have a look for my own peace of mind that my old defaulted Natwest loan account had been removed. The worst case scenario I thought was that the default was…
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Do all payday loans show on credit file?
I took one out for 2 months in a row just over a year ago before I started being careful with my money.. It doesnt show anywhere on my credit file? Just wondering if all payday loans do show on credit file? Thanks :)
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Default removal for a 18 year old
Hi guys, My friends just turned 18 on 20th may, checked his credit file and there's a mobile phone default but he did not take the contract out. Contract said it started circa. 2011 clearly when he was under 18. How should he go about getting this removed?
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Equifax incompetence - is it legal?
Hi, I have 2 ongoing problems with my Equifax credit report. Firstly they have a defaulted bill on my account that doesn't belong to me, and should have been removed when I resolved it in 2009 (other credit agencies removed it). Since I started querying it with them a few weeks ago they've had confirmation from the…
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Available credit impact
What impact, if any, does available credit have on your credit file? Over two credit cards and two overdrafts, I have £10900 of very rarely used credit. Is it worth ditching one card and one overdraft?
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New stickies for this board
OK. Lovely new board, and hence room for some new stickies regarding credit files. :) I already have quite a few ideas on what could possibly useful? - Obtaining credit reports etc. Probably a refresh of the one currently on the credit card board. - One with all useful links, categorised. e.g. links to the CRAs, their…
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Credit Expert
Iv noticed that Lloyds loans are not showing up on either mine or the wifes account. Anyone else having this problem. THANKS
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what happens after a default?
Hi, I have a default from dec 2010 that im currently on a dmp paying off. Nothing has been added to the information on that account on my credit file since then. If for example im still paying my dmp in 2016 when the default drops off what happens? Im trying to negotiate a full and final settlement at the moment so…
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Which credit agency?
Hi there, Just a quick one, does anyone know which credit reference agency or agencies Natwest use? They hold our current joint account, savings account and the children's trust accounts. We need to apply for a mortgage but have been advised that because I have 1 default on my file (from 2010), I have two choices, apply…
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Mortgage application credit check
Deleted...
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Insurance recorded on credit file?
Hi all, Just a quick query.........if a person pays an annual insurance premium monthly, is this recorded on their credit file? If so, does anybody know if Protect Your Bubble records information with credit reference agencies? Thanks in advance!
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Issues with CallCredit reference file
Had an application declined due to my score with callcredit apparently. Tried to register on their website to see what the problem is, but they apparently can't verify my details. Have looked at my equifax account and only thing I can see that could cause an issue is a CIFAS warning saying that I was the victim of identity…
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Can someone help me understand?
Hiya, noob here so go easy! :) I'm wondering if someone can please help me understand why I always have such a hard time getting accepted for credit. I have a default on my credit file from 2009, it was for ~£170, and has since been paid in full. This was a time when I was in financial difficulty and out of work. Stupidly,…
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Can we have a sticky about why the Experian/Equifax scores dont guarantee acceptance?
This would mitigate for the most likely reason for people posting new threads in here and there would be no excuse for people not seeing it before they start a new thread.
