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Bank account not seen on Noddle
I have just checked my credit score on Noddle and my current account and credit card with HSBC are not shown, I also checked it on Experian last year and they didn't show on there either, any ideas why?
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The 6 year thing?
Trying to understand the 6 year thing. simple question if someone defaults, then 6 years later still has not paid anything the debt is removed from the credit file yes? But can the debt comapnies still chase him for it?
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Experian/Equifax/CallCredit
Isn't it about time that ALL 3 Credit Reference Agencies were put out of business and replaced by 1 National Agency (for personal consumers, at least) with fixed low or FREE prices and a clear legally defined way of operating!!! Considering the influence on people's financial affairs and other potentially linked affairs…
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Noddle terminology
Hello. Sorry if this has been asked before but I can't find the answer in the threads I have searched in. I am slowly getting back on track financially but got into a terrible mess last year. I had what I thought was a default notice from Mercers. It did say Notice of Default (printed on glossy paper. No expense spared!)…
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help with experian report
I have copied and pasted a post below which i put on bank aco!!!!s forum last week, but I have just seen this new one for credit rating and I am hope someone can help. My son in law has got his experian report which shows his mortgage as being in default. he has now paid the arrears in full. on his experian report it show…
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Should I update my current account to match the electoral roll address?
First impression would be that the above is a no brainer, however: I have been at my current address for a year, but only recently updated the electoral roll. I had been at the address my current account is registered to for a significant number of years and all accounts on my credit file are registered to this address.…
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Credit card balances
Hi I am now in no debt at all and have 1 satisfied ccj left which comes off in September this year. I started to rebuild my credit approx 2 years ago by getting an aqua card £1600 limit now and a cap 1 £750 limit now. I use these cards for all my monthly expenses and they automatically get paid in full every month by…
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Problems with Experian
I recently tried to transfer a credit card debt and got rejected (nothing new there). The problem started when I checked my details with Experian (as the credit card company said they used Experian to check my records): Many years ago, when I was still at uni, I signed up for a 30-day free trial with Experian in a bid to…
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Arrangement to Pay
Is an arrangement to pay just a temporary deviation to the contractual payment? Can you after a short period of time revert back to normal monthly payments whilst maintainting the use of the account in question? Is this always recorded as such on the credit reference agencies files and what is the effect on your credit…
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Trying to sort out a mess
Hello:) I have recently summoned the courage to face my credit files and what a mess they're in:( I'm hoping some of you might be able to help me make sense of this. I've checked my Noddle score which is 1/5, unsurprisingly. I have 3 defaults on my file, all from a 3-4 year period where I was struggling with severe…
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how long will it take to sort? fraud.
hello. last night i checked my credit report and found two accounts on my credit file that do not belong to me. the amount adds up to over 4100 pounds. long story behind but basically lived in a shared house bills all inc. landlord has debt on gas and elc accounts. has put bills in my name in sept 12 without my permission…
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Can the same default be registered twice?
Can anyone help? I received a small default for £240 back in 2008 over a dispute with a mail order company. The default remains on my credit file yet a further default dated in 2012 for the same debt has appeared on my credit file yet has been registered by a debt recovery company not the actual company the default…
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Associations on your file
Anyone know how much an association on your file affects your credit score? I recently got my credit report I noticed that my ex boyfriend from 5 years ago is still on it as is his flatmate who I have never had any financial links to ever. Now I am getting them both removed from my file. Does having the flatmate as a…
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Questions about my credit score
So of all the three credit score/reports, Experian proved to be most useful. They have outlined 1 positive factor and 4 negative that I am hoping to change to improve my score. I would post a screenshot but I'm not allowed to as a new member. I will address credit utilisation by lowering the amount of overdraft I use (I'm…
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Remove please
Remove please
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Really upset need to get a default changed to settled someone help please!
Hi all, I defaulted on a vodafone bill a few years ago due to a dispute, I later settled this account however the account is still showing as defaulted but has not updated since june 2012 (the date i settled). Vodafone have accepted that they have a 0 balance left on the account however the people are have spoken to dont…
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Barclays stop reporting to Noddle?
Hi as in topic does anyone know if they stop reporting to noddle because I have just logged in and my bank account is not on report. Same on my OH report barclays account not showing up
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Default dates
I am currently on a DMP and coming to the end shortly and am interested in cleaning up my credit file to enable me to get a mortgage in the future. Have just been looking at my credit file on Experian-some of the dates for the defaults seem later than they should be, some of them a year out. Is there anything I can do…
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Question
I have never had credit before. I now have two subprime credit cards (capone classic and vanquis) my credit score is 3/5 on noddle (saving experian free trial for when i have a credit history to look at), i assume thats because i have done nothing right or wrong so sitting in the middle. will spending on both cards and…
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Student desperate to consolidate...
I am a student about to go into my fourth and final year at university. Within my time at uni, I have managed to accumulate varying amounts of debt using 3 separate overdrafts, one of which is a student account. I have been unable to get a job over the summer so have no money coming in until September. I want to…
