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3phone(thieves) default and mortgage HELP
Today i found that 3phone has put default on my account what happen 7 march i call three phone and ask to cancel my contract, he give me a pack code (he sad nothing about but i found later that if you not use pack code contract keeps going) 27 March direct debit taken 37£ 29 April direct debit taken 37£(after that i cancel…
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Best way of improving credit in my new circumstances
Ok in short my credit is not good. I have defaults and have a dmp set up with step change. This mainly consists of around 9 small debts totalling bout £6k. I have no CCJ and fingers crossed I never will. My grandfather recently passed away and I have inherited a large some of money. It's not a retiring amount but enough to…
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Default Notice By BT
Just after some advice I went a through bad spell back in 2007 speration all that I had a BT mobile which had £65 left on which I was unaware of at that time begining 2008 I went bankrupt the last recording of this outstanding amount was Jan 2008 on my Equifax file then is shows Query every month till Jan 2011 when BT put…
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Experian - why so difficult to see statutory report?
Just ordered my statutory reports for Experian/Equifax. Equifax; click the '£2 statutory credit report' link at the bottom, login, enter payment details and view report online instantly. Experian; tried logging into the website as I've previously had a creditexpert free trial, but when I login it appears that it will only…
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How do you get a credit rating?
Hello all! So. I'm pretty young, only 19, and I recently got my own house for my daughter and I. Only one problem. I keep getting refused credit for everything. I have no idea how to get a credit rating, let alone improve mine! I know theres websites like Experian that are for that... but they charge and it's not something…
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Tmobile
Hi there, my partner got a contact with tmobile in dec 2011 (which the guy said was 12 months) anyway with moving and university all the original paper work got lost. She paid the (what we thought was the final debt) amount of £27 but it wasn't taken of her credit report and is marked as defaulted and unsettled giving her…
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Problems Accessing £2 Statutory Report at CRAs
Hello All, I have recently tried to buy £2 statutory reports from all the big three credit companies such as Experian, Equifax and Call Credit. My experience has been appalling. I spent more time on Experian and Equifax as they had problems verifying my identity. Call credit online application screen froze twice I am yet…
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Closed Accounts interest hike - Credit Report
A couple of years ago I froze the interest on a Barclaycard and an Egg card due to them increasing the APR. I was wondering as far as how your credit report is viewed by other lenders does the fact the balance outstanding in my case £3000 on the Egg relate to the credit limit they originally gave me of £7000? I.e £4000…
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MSE News: Get on the electoral roll to boost your credit chances
"Over six million people could boost their chances of getting credit by joining the electoral register..." Read the full story: Get on the electoral roll to boost your credit chances Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum?…
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Consolidating Debts with loan
Hi, I have a small personal loan with an outstanding balance of £3000 and approx £4200 on a credit card. I am thinking of taking out an £8000 loan over 4 years to pay of the loan/cards and consolidate into one monthly payment as I find it much easier to pay it off this way. I will be looking to get a mortgage (first time…
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NRAM claim they didnt need to write to me re registering default notice
Hi everyone I have a personal loan with NRAM. In 2009 I lost my job and agreed with Nram that I would pay £100 per month to the account instead of the £303 due. I continued paying this each and every month but obviously arrears grew on the account as I didnt pay the contractual payment. I noticed that NRAM registered a…
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Default on my Credit File due to Ex-Partner
Hey there, my first time posting on here after many visits to the forums. I am wondering if any of you have any knowledge or could offer me advice on a default I have on my credit rating from 2010. Long story short, my ex-partner of 5 years could not get finance on a new car and at the time we were in a loving relationship…
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EON can they do this
I have been with this electricity and gas supplier for many years at 2 previous properties. When i moved to my current property in 2009 i asked them to provide there service at my current property which involved them changing the meters from pay as you go to monthly credit meters. This was done with no hassle all free of…
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Clearing my debts
Hello people! This is my first time post after being a long time lurker. I have been quietly sorting out my finances, when I was 19/20/21 I went mental, credit cards, HP, loans, further loans. Since then I have been creditless and it took a couple years before I started making inroads in to the mess. I have dropped from…
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Credit fraud
Hi, I recently checked my online Noodle account and under recent searches it said that recently tesco loans searched me but under my previous address that I lived in with my ex. I have not made any loan applications or anything as I'm trying to get a mortgage, does this mean he us apply for credit in my name??? If so what…
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Do you have to be told in writing a default is issued?
Hi all, My husband has found out a default was issued by Orange on an account he believed was closed. A letter from a debt agency was received in July 2011 regarding an outstanding balance. On checking his credit file it appears that the default was issued in November 2010. We are pursuing Orange regarding the reasons why…
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Orange have screwed up my credit rating - Refused Mortgage
The long and short of this ridiculous story is: My husband and I have applied for a mortgage through a FA. We both have excellent credit ratings (999). We were turned down by the abbey. Reason given: I missed 2 payments to Orange in March of this year. I cancelled the Orange contract on 24/12/12 after they wrongly…
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What is the problem with my Credit "rating"
I want to pin point what exactly is the problem on my Credit report as I have been considered to have poor credit for as long as I can remember and the misinformation by the credit agencies/banks in what affects credit score leaves me confused. I had some serious debt problems and many missed payments just over 4 years ago…
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Cancel unused overdraft?
I am saving for a deposit for a house (hopefully for next summer) and am looking to improve my credit rating. I last checked my credit report a couple of years ago and had green ticks across the board but when I applied for a loan around the same time I was offered an interest rate north of 20%. I figure this is most…
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Outstanding Amounts
Hi, Can anyone tell me if the balances that are listed on the credit report are actually what i owe against my debts? I have a DMP that has been going a 3 years, and the figures that they are using are more than what are on recent experian and equifax credit reports that i obtained. I know that the creditors should write…
