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old settled debt at linked address
Hi I had a few problems years ago but Am thankfulky back on track. All is fine with my file apart from a settled account with cl finance that they logged to a previous address. The default fell off my file shortly after I settled it. but they confirmed my old address in 2011 when I payed it. Therefore it still sits there…
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Credit rating mess loan arrears, confused!
Hello all New to this site, and so happy to read all of the amazing advice here. My problem is that I have an unsecured loan of around £15K which I took out in 2009 over 7 years (my monthly payment is £287 per month)... A year and a half ago, I was unemployed for 4 months and couldn't make my repayments so I got advice…
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Distancing yourself from a partner's bad credit
Hi, Not a question for myself... I understand that, even if you are married to your partner, your credit files won't be linked unless you have joint financial products together. I also understand that if you split up from that person you can close your joint accounts and get the financial association removed. But if you…
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loans
Hi Been in business and banked with same bank for 30 years. Applied for loan with them to buy new van and got turned down. Did search and found we had made a late payment two months ago (banks fault,not ours) which was recitified withindays and they say this is the reason and it will be on our records for 6 years. We have…
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Credit score and internal banking score
Good afternoon all. After logging off internet banking the other day, I received an email saying there was an error with my account and to click the link below. I'm happy to say I didn't and the next day popped into my local branch to let them know. While I was there, I also asked if I could make an appointment to see…
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How much is Experian monthly now?
Simple question i hope. I used to have online access at creditexpert, but then they changed the price to about 14.99 month so cancelled. I have just looked at the website and states 14.99/month and something along the lines of £6.40 is for insurance and to check whether you already have this cover. Can someone please tell…
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Can Using PPI Affect Credit Rating?
Goodmorning. I bought a new car in 2007 and very unusually for me, took out PPI tosafeguard my repayments for amongst other things, redundancy. In2009, as a result of the banking crisis, my company made me redundant. I invokedthe PPI and the car loan was paid to term for the remaining 3 years by the PPIseller. Ihave 2…
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Credit checks for renting a flat?
A friends son is trying to get his life together after prison He has seen a flat but they want over £200 to 'do a credit check' He doesn't have any credit cards but his mum doesn't know if he has in the past - he is in arrears with his council tax but he is paying it Is it worth her paying this fee or is it pointless in…
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Noddle updating weekly now?
My noddle account has updated twice in the last week? Is it updating now in real time or is this a glitch Btw the banner that used to come up " your new credit report will be available to view in # days" also no longer appears
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Credit scores after partial settlement?
Hi, Ive been in a DMP for about 6-7 years now, and am in a position to be able to make a full and final settlement offer now. As it stands, my credit score is looking better than expected, on about 850 through experian, with all but one of my creditors no longer showing. What I'm trying to find out is once i have settled…
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credit file- whats missing?? and what next?
Hi all, thanks for reading I just signed up for a credit report from Equifax and just browsing through it and theres a few things I thought may of been on it but are not- -SKY tv, -Home insurance (i pay monthly for contents insurance I thought this was credit) -British Gas Are these things not suppose to be on there or are…
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Rental Credit Search
I'm not sure if this us the right area but could anyone advise me on what specifics are searched when renting? I obtained my free report from checkmyfile and saw two scores of credit and rental information. I realise the scores are meaningless but wanted to know the difference? Many thanks
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Default removal
Hi everybody Whats the chances of getting a default removed from my credit history, its on all three files and was in November from Lloyds bank. Its a long story but due to a house move and postal mix up I never received mail so I never new about my account going over drawn and building up charges as I thought it was in…
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My credit rating has not changed AT ALL in the last 9 months.
So, my credit score and report from September 2012 (the oldest one I can still view) is exactly the same in every way as my score and report that I generated today. Is this normal? It says the following: - Number of credit accounts (including those settled)6 Amount of available credit (excluding mortgages) £1,442 % of your…
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Equifax and experian why is credit rating so different
Have checked my credit rating against both and they differ a lot.
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Credit advice
Hi, I am after some advice. My husband in the past has been bad with money. He defaulted on a credit card about 11 years ago and thought he was paying it off but had switched bank accounts. Anyway we had 2 mortgages in that time however they then wrote to him years later and asked for the money. When we realised that it…
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Does referral to debt collection agency affect credit rating?
If a debt I owe gets dealt with a debt collection ageny or whatever name they are called, will it affect my credit rating? Sorry if this has been dealt with before. Thanks to anyone what replies.
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Ex bankrupt with good credit score!
Hi there I was declared bankrupt in Oct 2007.... nearly 6 years ago. THis was a very unfortunate experience and I have well learnt from it. I have been trying to build up credit score, have a current account and have a credit card which i clear each month, sole purpose of which is to rebuild my rating. ANyway.... got an…
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Financial Associate
Just checked my credit report and have noticed 1 financial associate is now showing on experian. This financial associate is myself. Any ideas what all this is about? Wasn't there before :think:
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How long before late payments have no impact?
I appreciate that there probably isn't an exact answer to this question but I have 2 late payments on a bank account from Oct and Dec 2011 (showing 101) from a bounced DD I am not arguing these aren't valid, although HSBC seem to be the only ones to report bounced DD as late payments I don't use the account anymore and…
