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hsbc current account and tesco visa card vanished from experian
have been having a look at my experian report, and my hsbc current account and tesco visa card account have vanished, tesco has a balance of £1000 with £3600 limit ( all up todate) and hsbc current account has balance of £600 in it (no issues) why would they just vanish? should i be worried? thanks J
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Can't get a Credit Carrd :-/
Hi, I was wondering if anyone could help me or give me some advice on what i'm doing.. I'm looking to buy a place with my gf later this year, we've saved the deposit etc etc, and I really want to build up my credit rating before we get a mortgage. I lived with a friend about 4 years ago and stupidly got a joint account…
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Wonga fraud
Hi everyone, In January I went to move my mortgage and was told, to my confusion, I had failed the credit check! On investigating there were 2 fraudulent wonga loans on my credit file! It has finally been sorted out today :) My question is, ia tgere any way I can claim back the extra 2.2% I have been paying on my mortgage…
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T Mobile damaged my credit - need a reccomendation for a specialist lawyer
I just been trying to deal with an old default record from a utility company but couldn't understand why when I have a 999 Experian score I'm getting rejected for mortgages I decided to check the other 2 agencies, and discovered with horror that T mobile posted default notice against me . it goes back to 2007 when i was…
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Default question
Hi all, I was defaulted in 2009 for an unpaid debt on a credit card. To date the account remains unsettled. I've recently decided to follow up with the DCA, who placed the default on my file, in an attempt to have this removed. My reasons for removal are the following: - To this day I have still not received a copy of the…
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Settled account on my credit file.
I had a credit card with Monument which I opened in 2003. There was a rate jack in 2005 which subsequently led me to close the account. The card when closed had a balance on it which would be eventually brought down, charged at the old APR. I continued to pay down the minimum payments without fail and never late for the…
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Improve credit rating
Hi, my son (27 and in full time work for 4 years) has just been turned down for a loan, we think he has a problem with his credit rating because of problems with his student loan (Fair enough). Any ideas to get it back on track asap
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Defaults on two accounts on my file - what can I do?
I had major problems in late 2010 and early 2011. One of the outcomes of this was losing my grip on my finances and ultimately defaulting on two accounts - a credit card and a loan. I am now in a better place, on a firmer financial footing and have paid off most of my debts. The outstanding debt is on the two default…
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Unauthorised Searches From Comparison Sites
I've just noticed I've got 5 new searches on my file. I've called the insurance companies and they said it was through a comparison site but couldn't tell me which one and said there's nothing they can do. I haven't been anywhere near these sites and I certainly do not need insurance. I'm assuming this is due to me looking…
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Default
Hi, A Loan is in defualt but the repayments are up to date. The credit file shows a D each month since the time the account went into default but is at least 10 months away from being repaid, in full. Does the 6 years start ticking from the month of default or from the time of full repayment? Many thanks
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Electoral roll
Credit agency's are showing that I am not on the electoral roll, but I completed my annual registration form, and received my voting cards last month - what's going on here?
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Which one?
It is expensive keeping an eye on your credit reports! Which agency is the best one to subscribe to?
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Debt over 9 years old reappearing on credit file
Hi everyone, I had a Barclaycard which defaulted in 2004. By 2011, the Barclaycard had been removed from my credit file as 6 years had passed. The past 2 years I have religiously checked my credit file and it has been clear. Today I applied for a mortgage and was rejected due to a credit check. I was extremely surprised as…
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Data protection breach
Hi! Just looking for advise as experian have breached data protection on my credit file by miss matching mine and my mums data. I am aware this is against the law and they are looking into to it but does anyone know we're we stand now. Thanks
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When and where should I apply for a loan
Right here goes. I would like to buy a new car, imagine paying a maximum of £10k for it, will not consider trading in my current car because of how much difference in price I will get trade on private with new car and old sale. Current car is worth 3.5K roughly, so i'd like to borrow the 10 with it in mind that I will pay…
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18 in three weeks, what will be my credit rating be like?
Hello all, I am 18 in a few weeks time. I have had quite a few jobs ever since I left school which was at 16 and I started working straight away. I have had money going to my account from working and also selling things and stuff like that. I have got my self a good job and I earn over a thousand pound a month. I have only…
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Experian Credit File Question
Hey everyone! Fairly new here to the posting element, but have followed MSE for a while. I'm looking to be posting more now I can see some light at the end of the tunnel! I am in a financial mess that looks be sorting itself now, but as things were bad my credit score was in the pits. I've paid off the debts via a…
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will a refusal for a loan affect our score
Hello I hope someone may be able to help me, I applied for a loan with M & S ( I already had one and wanted to pay that off and have a bit extra) but I was turned down so I tried the bank we are with and they said because I had loans already and a mortgage they could not help. This was later on last year may be Nov/Dec…
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Arrangement to Pay - future effect
I'm now in an arrangement to pay, they basically said it was a case of agreeing to it, or defaulting and incurring charges. I tried to come to an arrangement to avoid the AP marker - they flat out refused saying that either a AP or overlimit marker *has* to be placed unless I pay the lot back by the end of the week. I…
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credit report in scotland
Hi all. hope someone can help. I have been keeping a eye on my credit report for sometime now. There is 2 red marks on my credit file both from power companies for unpaid bills. I live in Scotland,both bills were for my house here. my question is this..i understand that in scotland a debt is cleared of your report after 5…
