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New Credit or Existing after DMP
Hi We are coming to the end of our DMP in August. We plan on getting a high interest credit card and using it for petrol or food shopping and paying off in full each month. Question is is it better to close our existing accounts, some with defaults and get a new card or if allowed by the company carry on with some of our…
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Getting a mortgage
Hello, I'd like to apply for a mortgage in the next 6 months to a year, and I'd like to know what I can do to maximise my chances of getting one. The deposit is sorted. I have a lot of available credit and recent applications (getting credit cards and current accounts for the various benefits they offer) and I am not sure…
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More/Better Credit?
Am trying to improve my credit score and limit. i got a car 2 years ago on credit for around 4000 in 2 months it will be paid off.. will this improve my credit limit and make it better to get credit? thanks
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Credit files, defaults, dates... Arghh!
Recently looked into getting a mortgage but realised how stringent lenders are and don't look favoureable upon poor credit history. After review of my credit file, my husband and I have decided to wait one more year to improve my credit and get a bigger deposit. So I have a few questions and would be greatful of any…
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Data Protection
Hi, maybe someone can advise. I have written to Santander requesting what personal information they have disclosed on me to CRA and they have refused stating that I need to ask them. I can't see how his is legal under personal data protection act? Cakie
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Santander Corrections to credit file
Hi, I'd really be grateful for advise. It's a long story but I have been battling with Santander for 2 years about fees and credit score. I took my case to FOS and they found that Santander were not totally guilty but had made a number of mistakes and recommended that they issue me a credit for the fees which they agreed…
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Electoral Register
Hello All, Can anybody possibly answer this question please. I think my credit rating is poor because I am not registered on the electoral register. When I do register how long before my credit rating would improve? How will credit reference agencies know I am now on the electoral register? Thanks in advance, Bert
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6 years later..
I have three defaults on my credit file, from back when I was 18 years old and at university and I was, well..stupid. They have all passed the 6 year mark now, I have settled all but 1 of them but none of them have come off yet. Edit- the ones settled, were settled in 2009!! Will they come off eventually? and will the one…
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Equifax - Debt Collection
Does a search on Equifax listed as 'DEBT COLLECTION' in Table One, affect your credit rating?
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Two different credit ratings?
Apologies for posting this twice (posted in wrong section!) Hi guys, I have signed up to both experian and equifax to check my credit score and got two very different results: Equifax: Score of 404. Credit rating "fair" - shows 4 missed payments - only recent checks are those made by myself Experian: Score of 981 - Credit…
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Barclaycard credit file error
Need some advise please, I'm trying for the right to us my council home of 20 years but a few years ago had a despite with Barclaycard over a £20 surcharge, that escalated into £400 and is registered as a default on my credit score. I went to the ombudsman and they agreed the default was wrong and have ruled in my favour…
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Equifax incorrect information
I am writing this again a YEAR on. Basically we found a year ago, equifax had mixed my husband up with one of his relatives. On his associations section. Luckily so far, this has had no financial or professional impact on us. As we can show exactly what they've done. However it is starting to grate they out right refuse to…
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Disputed Credit Report
I'm currently in the process of trying to get a mortgage over here in Northern Ireland. The problem is Black Horse Finance, I deferred one loan payment about 18 months ago and asked them to move the payment to the end of the loan which they agreed to do. I continued making the payments on time until the end of the loan in…
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Three days, three corrections plus £50!
After a dubious spell in my twenties, no ' big' debts, but a couple of storecards with late payments and a general 'la la la bury head in sand' attitude to my financial problems and the fact that I was never approved for anything I found myself in ny mid-thirties with a partner and thinking about the future and mortgage…
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Rejected for Tesco Credit Card
Hi All, I was rejected right away for a Tesco credit card. Seemed like a pretty instant decision. They say they use Experian and my credit score through them via credit expert was 897 with the only negatives cited being that a) You have recently opened 1 or more new credit accounts. [It was 02 Broadband for which I pay…
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Wonga Loans
Hi All Last year I had two instances of someone taking out loans in my name from Wonga which ultimately led to them as showing defaulted on my credit file with Credit Expert. One has since been removed but the second still shows as defaulted, although checking today I noticed a D and then a zero against the status code. I…
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Equifax ignoring help requests about linked address, help
Equifax have been ignoring my request for how to correct an incorrect linked address. They won't tell me which company the address came from, for example. There's no phone number listed except one that says it's only for questions "about Equifax products". I'll try that one today, but I'm not expecting success. Do they…
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Noddle - Yay or Nay?
I've been told by my boss that I can see my credit report for free by signing up to Noddle. This sounds too good to be true to me since you have to pay £2 for a one off statutory report or you can pay monthly for 24/7 access (WHY?). Does anyone use Noddle and is it any good? Is it as in-depth as Experian (for example) or…
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A mark on my (noddle) credit file, but not sure if pos/neg
I have a £1 balance in my first direct 1st account. In March i forgot to fund it with the £300 required for my regular saver. This took me to "£299D" which i noticed a fortnight later & corrected. I contacted first direct to enquire as to whether my credit file would be marked negative because of it & their response was…
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Help need for a guarantor
I very naively agreed to be a guarantor for a friend and have discovered to my horror that not a single payment has been made on the account. I am now footing the entire bill. This is not fair. My friend has not answered the creditors calls and now ignoring mine. Do I have any rights is there anything I can do? What…
