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Credit History
Hi All, Just hoping for some simple advice. I would like to know my credit score, i have no reason to think it is bad however i am 23, looking to buy a house within the next 6 months. I want to try get my credit score as high as possible to ensure a decent mortgage. I was wondering is there anywhere you can get it for…
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B.T. registered late payments in error on my Equifax Report - Compensation?
I hope someone will be able to advise me. Several years ago I checked my Credit Rating by using a free trial with Experian. Having NEVER missed a payment for anything whatsoever I had no reason to suspect there would be any problems so the only reason I had checked was because I was curious as to what my Credit Score…
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Returning to UK after 20 years away = no credit rating...help!
Our family will be returning to the UK from NZ in three years (mid-2016) once my wife has completed her nursing degree and work experience; time for a change and a return to Dear Old Blighty. I have surmised through these forum threads that it is highly unlikely that I will still have a credit rating in the UK! I'll be…
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Experian rep about please ?
Hi new member here ! Firstly, what a fantastic resource these forums are :T Have been browsing for a while, and ready to jump in now. Ok, my problem is that my wife and I had a joint internet saver account with Sainsburys bank back in 2007.. I happened to check my Experian file for first time in years recently and found…
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Wonga and Credit File Default date incorrect
Hi, Wonga have just placed a default on my credit file. They have defaulted me in Feb of 2012 when the account in fact defaulted in Sept 2011. I've emailed them asking them to change the date. Where do I stand with this - I suspect they won't bother responding. I'm not disputing the default just the date. It matters to me…
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Noddle report completely blank!
Hi there, I am a bit bemused by Noddle. A few months ago I checked my report on Noddle and it seemed my record had got mixed up with someone else's (my husband's ex) - some of her accounts were showing on my report, despite the fact that we have completely different names, dates of birth etc. I reported this via the…
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Credit file query
I had a couple of personal loans go into default a few years back (all settled in full now thankfully). One of them was taken over this year by another company who seem to have renewed the default on my file, consequently it won't not be off my file until September 2018. If I asked them, to you think they would be amenable…
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Identity Theft from payslip?
Firstly, apologies if I'm posting this in the wrong place! A friend of mine has their payslips emailed to their work email each month. They then email the payslip to their personal email. Unfortunately, they managed to email their payslip to the wrong email address and they are now worried about identity theft! We have…
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Has anyones Noddle rating dropped since...
Has anyones Noddle rating dropped since they introduced the paid for Credit score feature? I have all my accounts debts (no debts just direct debits) running as normal no late payments no over spending all been showing as green on my report for last few years. My credit rating was 3/5 not the best but I wasnt on the…
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Have you had a wrongful mobile phone default?
I've noticed an absolute litany of posts on these forums about defaults from mobile phone providers because said mobile provider failed to invoice for a final bill, and / or failed to collect a Direct Debit. From what I've seen this largely seems to be T-Mobile/Orange but there's some Vodafone in there, too. This must be…
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Equifax - rigmarole to get report
After advice! I need to know if this is me overreacting. I've applied online for an Equifax credit report. I had to go through a number of questions about financial activities over the past 6 years and think I might well have got my overdraft limit from an old joint account with an ex boyfriend wrong. I can't remember!!!…
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new bank account needed - experian not updating credit report
I need to set up a new bank account and came out of an IVA last June so my 6 years for it showing on my report was up this June. Equifax and Call Credit updated my record straight away upon receipt of a copy of my completion certificate. Experian are taking ages to update my records. I need to set up a new bank account and…
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credit report with debt recovery?
Capquest have contacted me about an old NatWest loan I had to give up paying when I swapped a job taking £100 a week less pay, as of yesterday when they ran me they seemed rather reasonable about repayments. I offered then £50 a month till after x-mas when ill have paid of other items and up my amount, they said from last…
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Santander Overdraft Manager
I've got a Santander Graduate Account which is coming to the end of it's first year. I've had a lot of problems with them throughout my studies and no longer use it as my main account as I don't trust them and I hate them as an organisation. It's a two way thing I think - they value my custom so much that two months after…
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Companies House - Help Needed urgently pls!!
Hi all, Not sure if this is the right place, I couldnt see another suitable forum. Apologies if Im in the wrong thread, but I really need some help on behalf of a friend of mine. She has told me that her situation is this: Husband starts his own company a year ago. He has been late a few times paying the mortgage and other…
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Lenders
Hi Everyone, Sorry if this subject has popped up before, but I was wondering would it be possible if all Lenders would show what there minimum entry would be for accepting people for credit/loans. This would surely help to improve people already on bad/poor credit not too apply. Sure there are soft quotations which will…
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Opening Savings Accounts with a poor credit history
Help! For the last 6 months we have completely struggled to pay bills and have been in a situation of paying the credit card bill late. In addition, my bank account was taken under the wing of the bank credit recovery team for 4 months to ensure it was running ok again. As another nail in the coffin, we were 3 months…
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Credit File Query
Hi Guys, Been trying to sort my finances over past year, and am finally getting somewhere! Have cleared down all my credit cards, was just over 4k, and just have final bit of my overdraft to go :) Am working towards getting a mortgage, and registered for the free trial on checkmyfile, to see what it looks like, and we get…
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Experian statutory credit report
Afternoon, Im after a little clarification regarding my Experian statutory credit report. Im looking to buy a house next year and am looking at things like credit history etc now rather than later. One thing im trying to do is build up my credit history, so I thought I would check through Experian to see if there were any…
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Default with no letter!
Hope someone can help :( Ok to cut a looooong story short, I moved home in Oct 2012 and rang Orange to inform them of this move. I them closed my Orange account down in November asking them several times do I owe anything which I got no nothing everything is fine. I kept loggin in until I couldnt due to me terminating my…