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Credit file & ratings
Archives for June 2013
Discussion List
1st Credit Letter concern
Hi, We returned from holiday yesterday to a letter from 1st Credit asking my husband to get in touch with them! The letter was dated 21st May and asked him to get in touch within 10 days confirming that he is at this address. If not they would assume that he is at "this" address and be back in touch. Reading threads I…
cannot Validate address
hello when i try to get a phone contract, update my paypal or try to create a noodle account I get an error stating that they cant verify my address from my debit card, if a credit check is required I pass that but fail identity check Ive complained to santander and they said my addy was correct, spelt correct etc and…
help advice please
I missed a payment by 3 days on a cc with 0% deal so paid it off with in a few days of finding I'd been late. this was in nov. I'm now looking to change mortgage will this be bad on my credit check?
CCJ....6 years
Hi all, I had a ccj taken out against me almost 6 years ago 13/6/07 according to the info on my Experian and Equifax credit report. I paid the amount off in full monthly but the settled/unsettled dates are blank on both credit reports. When should I expect the judgement to disappear from my credit history? is it 6 years…
Bad credit help
Hi there" this is my 1st post and am all pretty new to this! I have just checked my credit file on experian and it is awful - 374. Just wanted some advice really?! Has anyone got any time so I can ask some questions. Thank you x x
Downside to requesting credit reports ?
Is there any downside to requesting a credit report ? Myself - currently not working full time - on a medical pension - mortgage paid off - decent savings - no credit cards - I was wondering whether it is worth my requesting a report, purely out of interest to see what info is held on me ??
Help needed with credit file corrections.
In late 2010, after years of struggling with debt (since 2003) I made a trip to the citizen advice centre and spoke to someone to see if they could advise me on what to do, as i just kept falling further and further into debt. The solution they came up with was a DRO, i was advised to stop paying creditor whilst the…
Credit check fail for phone contracts after cancelling one during cool off
Hi, My fiancee and I bought into a Three contract (on seperate bank accounts) then later realised that the signal was actually much poorer than what they had explained. We called up to try and resolve the situation, and were told that the best option would be to cancel the contracts. Went into the store the next day to…
Balance for current accounts on credit files
Hi I've recently removed the overdraft limit on my account as i no longer wander into the red. Since removing the overdraft i know have a lower score because my available credit has gone because i've removed the overdraft and my bank (Santander) record my balance as Zero. Is this normally for current account balances to…
Credit score advice...
Hello, looking to change our life round and to keep it short, we have put our house on the market. We hope to come out with around £30k. We owe around £40k. We are looking to rent and rebuild our credit score to be able to get a new mortgage in the future. My question is, would we be better to say pay off £30k off in full…
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