-
Talkmobile Damaging my Credit File
Hi all, I haven't been on here for years but i hope someone can help. this problem is a little complicated, but effecting me massively. On the 19/07/2011 I had a "Work" mobile set up with Talk Mobile as part of my job, never used it so never got a bill. 17/12/2011 was the last day it was used, (fault with the phone and it…
-
Uh Oh ...
I have just been on Noodle and got a copy of my credit report only to discover Paddy Power credit searched me in April under money laundering when I (foolishly) opened an account with them as I was to lazy to drive to the bookies to put a bet on the Grand National :mad: (we are talking a WHOLE five pounds here btw) I am…
-
O2 have ruined my credit rating
I posted this accidentally in the Mobile phone section ... So sorry to say am reporting. I had a mobile phone account with them since 2006... I also Telephone and Broadband with them from 2008 to 2011 which is where the problem has accorded. I went to the bank to get a loan as we are renewing areas of the house... I was…
-
private parking
i have received a Parking Charge Notice today from a company called Excel Parking for £40 for breaching the car park terms and conditions. I entered the car park at 19:29 when the shops were shut where i had arranged to meet my daughter. I have read on here to just ignore it. I wasn't aware there was a charge out of…
-
Wrong default date on file
I had an overdraft problem back in 2009. The co-op bank sent me a default notice in 2009 but when I checked my credit file recently the default as a date of 2011 entered. Obviously this extra 2 years will greatly impact my credit worthyness in the future. As I still have the old default, will this prove the real date…
-
Lowell Portfolio
I've just checked my credit report and found that a company called Lowell Portfolio searched it in May. I'd never heard of this company so looked them up, apparently they are a debt bullying I mean collection company. I was puzzled that they had done the search. I have neither defaulted on current debts and my previous are…
-
Will Credit Rating Be Neutral - Good or Bad?
Hi I am 37 and mostly always worked and kept myself with my own money. I never took out loans for anything and never had a credit card, stayed with family so never paid bills except keep etc. I am looking at applying for a mortgage and wonder if my credit rating will perhaps be neutral because although I aint had any bad…
-
Credit history gone up to 2010?
Baffled... I had a really poor history and was paying of a CCJ that is passed 6 years and had a few accounts that were unpaid for more than 7 years. Terrible and embarrassing on my part. I have paid of many accounts. What is odd all of my poor past has gone???? Is this because I have moved house? My credit score is saying…
-
How long ?
Hi all I have very poor credit. I have no CCjs but I have several defaults. Overall I am about 10k in debt. There are many many reasons why I got into so much debt, including illness and student life. Im 29 and finally want to get my act together and through the national debt line and experian Im going to begin paying my…
-
Refused Credit Twice, What Should I Look For?
I'm in a financial position whereby I am more comfortable than I've ever been and have money to move around to gain whatever little interest there is out there. This calendar year, I've applied for what I consider to be a lot of accounts (current accounts 3xNationwide, Halifax, Lloyds, Coop, Norwich & Peterborough), an…
-
Monthly account info - can it be changed?
Hi, I'd be grateful for some info if anyone can answer my question below! I have an ongoing dispute with Santander about how a defaulted account (current account with overdraft) has been reported on. I entered a DMP and the account defaulted in April 2008 (correct default date on Experian). I made regular payments, finally…
-
Please help - late payments registered on Credit File
Im hoping someone could give me some advice. Last year i bought my current property, but may look to move next year when the mortgage comes to renew. When i bought the house i already had a credit card (barclaycard) and a virgin card. Back in March i set up a standing order through my bank and for some reason the bank has…
-
Help - Linked Address
Just started my Equifax free trial to make sure there was nothing nasty on there. All of my credit is being shown as under my "linked" address not my actual address. I'm at 206B and the linked address is 206A. I have no idea why as my credit providers all write to me at 206B. How hard is this to fix? It is leaving my…
-
Multiple Entries in Credit Rating
Hi Forum, I recently checked my credit rating on Experian for the first time since Jan last year when I had a very good rating (>900) and discovered it has moved down to 700 region. On inspection it seems all of my held accounts, have been held twice on my report. For example my credit card, car PCP, mobile phone bill are…
-
Financial Connections
Hi I have just noticed that an ex partner is on my credit file, is there a length of time that they usually stay on there for or will i need to have her removed myself?!
-
Unfair entry on my credit file
In 2009, I took advantage of a Carphonewarehouse deal and introduced a friend who received a free laptop and phone for starting an account with them. It was only after I'd done this that I found the contract was actually in my name, and I was responsible for the bills. After a couple of months, my friend could not afford…
-
Cash Plus credit builder hasn't reported to credit report!!
So, I'm a little annoyed that I paid £5 a month to have Cash Plus file on my credit report at the end of the year, it's been a few months since the last payment and nothing new is appearing on my report. Has anyone else experienced this? *grumpy*
-
Finance for Dental Work - A few questions
I don't expect anyone to tell me exactly, and I know the best bet is to go and discuss it with a dentist, and I will when I select a few potential dentists, but I was wondering what kind of score you would need (fair/good/excellent)? Has anyone had dental finance with a less than excellent credit rating? Would paying a…
-
Bank Account Switch and Late Payment
Hi, I was wondering if anyone could offer any advice. I recently switched to First Direct using their switching service. I transferred all my direct debits, including 2 credit cards. Both credit card direct debits failed upon collection - Credit card 1 rung me up to say the direct debit had failed and asked me to pay with…
-
Halifax default
Just remembered this.... In 2010 I defaulted on an Halifax account. This was made up of mainly charges for a service they used to offer which was £10 per month. I did cancel this however they kept taking the money out meaning I went overdrawn. At the time I refused to pay the money back as I had put in a request over the…
