-
Default
Hi everyone, my husband has a default on his credit file from 2008, it was a natwest credit card we were having trouble paying and we agreed a monthly payment, we haven't missed a payment since the agreement but it has registered a default on his file. Will the default drop off after 6 years from the default date even if…
-
Credit history and existing credit accounts
Hypothetical question more or less to just satisfy my curiosity - what I want to know is, do lenders who have an existing agreement with you change the product (APR, credit limit) based on your current circumstances, or just on your internal history? I.e., do lenders you have an agreement with occasionally review your…
-
Chances of getting default removed
Hi guys I was just wondering if anyone had any luck in getting defaults removed recently? I have a Default on my loan from Nationwide which has been satisfied for over 2 years now, but is still there ruining my credit report. I have wrote a letter explaining that I was young and didnt fully understand the consequences of a…
-
Arrears showing but paid up?
Hi all I paid for the £2 statutory credit report (online) last night and found that one of my accounts is showing as "in arrears" (as at 16 June, yesterday). However, I settled this account in full on 28th May and when I log onto the actual account, it shows that there is nil balance. Admittedly, I was behind with the…
-
who's credit is best?
we want to buy a 50K house which needs 20K renovations. Will be worth 90-100K done up. We have 30K, and can possibly scrape together another 10K from savings, selling the horses and other bits and bobs. (This money was allocated for car, boat and holiday tho, and as we have worked for 60 hours a week, 52 weeks a year for…
-
Improving our credit rating
Hi. We are selling our home to pay of some secured loans and avoid repossession of our home which we are going to court to sort out on Thursday. We know we cannot get a mortgage at the moment due to our credit history on the loans (one is in arrears and has defaults against us). So the plane is that we will got into rented…
-
Defaulted account on file
Hi, I have a Natwest debt that I'm about to start clearing off. It's due to be wiped off my credit file in November 2014, but if I start to pay it off now, will it be cleared before then?! Not sure how these default account issues work! Thanks!
-
Financial connections
Hi, Just put my other half on my council tax as we no 'officially' live together. Worried though that this will mean we are financially associated and, putting it mildly, his credit rating is less than desirable. Will they financially link us if we're both on the council tax or will they just assume its a house mate type…
-
Can they use it to track?
Im thinking about getting a credit score with one of the free trials. But can debters use this to track me? Years ago I refused to pay a "debt" after a bank changed my account without warning and landed me with lots of charges. They admitted to the change and that it was without warning but refused to do anything about the…
-
Associate Information on my Credit File.
I have paid £2 for my credit report and it came through Friday. The only thing that concerns me is I have associate information on my report for two people with whom I have lived with. One is a flatmate and the other is an ex of mine. How can I break the link of these two people on my credit file? I know that the friend…
-
New to the UK building a credit history
Hi My partner has only just arrived in the UK and wants to build a credit history. We have been advised that he should get a credit card and spend around £50 per month and pay it off in full and that this is the fastest way to build a history. I don't want to apply for cards to be declined which will put him in a worse…
-
Wrongly issued CCJ
Hi, In 2009 I had a damage only car accident involving another car. My car was repaired and that was the last I heard until March this year ( over 4 years after the accident ) I received an email from my ins co stating that I needed to get a certificate of satisfaction from the county court. As I had no idea what they were…
-
Debt on credit file - what happens after 6 years?
Hi, apologies if I have posted this in the wrong area but I'm new to all this. Here goes ... I have quite a large debt which was a bank credit card which was £9,000 before it was sold to Iqor. Anyway it went to default and that's when it got sold to Iqor. The date of default was September 2007. I have been making payments…
-
Noddle - problems registering.
Just tried to register with noodle, and followed all the correct steps, only to find when I have entered my debit card details I get the following message: "Sorry, we haven’t been able to verify and validate your identity and can’t provide your credit report. We’re sorry but unfortunately we’re not able to provide you with…
-
AnnualCreditReport spotless credit?
Hi. I have recently been offered a good job with a company that does background and basic credit checks. I wanted to check my credit report to see if anything in there could stop me from getting the job. I went on annualcreditreport.co.uk, filled my details in and they told me my credit is flawless. Now as much as I would…
-
unknown default
Just discovered twodefualts on my account which i did jt know about. One from Tmobile. I took out mobile broadband for uni, it didnt work so cancelled my contract, via post and email (via their website) I also cancelled my DD and as i had returned to dongle i no longer used the service. This was within two weeks - the…
-
late payment
Hi On Equlifax l have a good rating and a score of 411. l have a late payment mark from 3 years ago on a Capital one credit card. l asked Capital one if they would remove it, seeing as it was a one- off mistake on my part on a otherwise unblemish record with them, but they would'nt. Can these late payment marks be removed…
-
How should I use my credit card to improve my credit rating?
I recently checked my credit rating with Experian and it is poor. I am working on improving it. Two of the negative factors which are affecting my Credit Score are: The usage of my available credit indicates a higher risk and I have no successfully settled credit accounts. I am now in a position to pay off my Capital One…
-
Legal and recoveries
Hi A few weeks ago I was contacted by legal and recoveries relating to non payment of some amount for a subscription I set up with a company called webbilling. Now I paid them over the phone. Can this affect my credit rating if legal and recoveries have contacted you to chase a payment? I am applying for a job in financial…
-
2 late payments on debit card
2 years ago I made 2 late payments on my debit card according to experian and equifax. They don't mention on what though. Any way of checking?