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Help please.
I recently went to buy a new car (which im going to need for my job) and was surprised to be refused finance. After been giddy with money in my younger days ive always strived to be carefull. I got both my experian and equifax reports and have a number of default entrys from lowells. After calling them i remembered getting…
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get credit score with a maestro card?
Really struggling, any ideas? I've tried a few companies, they don't seem to like the maestro card
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How to get Credit Files whilst living abroad?
Hi, I did the whole BR thing a couple of years ago, and have been living in Germany for the past year. I want to check my credit files now, however neither of the main credit agencies accept a foreign address on sign-up, and if I use my old address - it gets rejected at the payment section as my cards (for my Nationwide…
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Transform Debt Collection
Hi Not sure if this is in the right section, apologies if it's incorrect. I've received a letter from Transform Debt Collectors asking for payment for £154.13 on behalf of Arrow Global Ltd. The letter is in my maiden name, but doesn't say anything about when the debt was incurred etc. I got married in 2001 so anything in…
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"Medium Risk" Credit score, and low Bank score
Hello, I bank with Lloyds and 2 years ago I had a problem as the bank showed me as a "risk" client, so signed up for IDAware, which monitors my credit score. I know it's a bit of a waste, but well, at the time it reassured me to have this service to try and find out why my score was low. My Credit score has been around…
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Rent going on credit file - do I have to ask my landlord about this?
My husband and I are looking to purchase our first home in the coming year. We have good credit scores, but our first application was turned down because of a few late payments on a credit card. The credit card was paid off and cancelled, but right now it's counting against us. Our mortgage advisor said to just sit tight…
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Credit searches
I have just checked my credit record with Experian ,i have had my credit checked by a company in November (kiddicare.com) . I have not applied for any credit for years ! Can anyone explain why Kiddicare would do this ? Thanks
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Paid debt showing as outstanding - how do I get this changed?
Hello Hoping someone can offer advice. I had a default with T-Mobile which was satisfied via Lowell. Lowell have updated my credit file to say it's paid, but T-Mobile haven't. I contacted them and they say this hasn't been paid. I asked Lowell to contact them and they said they would, but T-Mobile still haven't actioned…
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Effect on CS
Hello. I'm planning on applying for a mortgage in the next month so all my spare cash needs to be saved for fees and stuff. However my car is 19 years old and could do with replacing. I was thinking of asking for a credit limit increase on my over draft or credit card of about £500 to be able to afford another car. Would…
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Concerned about Cabot.
I hope someone can put my mind at rest. No one in my house has any substantial debt (I have a very small mortgage). This morning I had a phone call from Cabot, (they introduced themselves as such) and I later rang 1471, did a google search, and found they are a debt collection company. The person they asked for is a close…
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Credit Score help
Good Morning I logged into noddle today for the first time in a while. Last time i checked i was 4/5 and had nothing against me regarding late payments. I applied and got accepted for a credit card may 2013. I have closed 2 other around the same time. When i logged in my score had dropped to 1/5. I have had an ongoing…
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Credit file question
Hi all, Can someone please tell me what happens if you have missed a few payments on a catalogue account but then pay the full balance off? Does it then show up on your credit report as settled or will the fact it had a few missed payments stay on the for a few years? Thanks you
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Paying off debt early
Hi Guys, I have a monthly instalment direct debit debt and thinking of paying it off early. Would I be eligible for any early payment discount and would it affect my credit score in any way. Any help much appreciated!
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How to improve your rating?
I am 3/5 with Noddle. I've checked my file with Noddle, Experian & Equifax. All information is correct. I've held a credit card for the past few years which i've always paid off in full & on time. I closed the remaining credit cards around January 2013. I'm on the electoral roll. I haven't had any searches on my name since…
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Theoretical PDL credit rating question
Firstly i would like to state that i am not thinking about doing this but, Looking through topcashback last night i noticed Wonga is offering a deal, my reaction no chance would i risk my credit rating for a few quid cashback especially as the reviews on tcb are not great. Anyhow i was then thinking about it earlier and…
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Default on my credit report not my surname.
Hi, I have a default on my credit report I had 6 in total Ive had 5 removed, the whole 6 of them are in my first name but a total different second name I think someone used my details after I left the address. The one I cant get rid of is Virgin Media does anyone have any ideas how I can get rid of it, they want 5 years of…
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British Gas / credit checks
Moved in to a new house and British Gas have the electric and power. I have asked eon to take over as I have a credit with them. I checked my credit file and British Gas have credit checked me and my score has dropped 30 points because "You have recently opened 1 or more new credit accounts" and "The average age of the…
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Credit info on Experian is out of date
I'm currently looking to get a mortgage, and my advisor did a check for me through Halifax, which turned out to be poor (they wouldn't lend me enough based on my current score). He told me to sign up to Experian to see what they see and try to find out more. So I did, only to find out that there are three bad points…
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multiple bank accounts & CCs - credit rating
I currently have three current accounts (two of them with overdraft facility) and 4 credit cards. Does this - having so many accounts and credit cards - have an adverse effect on my credit rating? Should I be looking at closing some of them e.g. unused credit cards and/or one of the bank accounts? Not sure if it matters…
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Advice on finanaces for getting a mortgage!
Hello, I am starting to save for a deposit for a house and am looking to buy in the next two years. I am sorting my finances out now so hopefully there will be no unexpected problems when I apply for a mortgage in the future. I have two questions, I currently rent a property with my boyfriend and have done so for the past…
