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How many missed payments before a default
Hi all, my question is ... Must a company default an account after a number of missed payments? or can they drag it out for two years and then apply the default? The company is welcome finance, the loan was 1500 but it defaulted at 2750. but the default was applied two years after the last payment. i thought the default…
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BARCLAYS BANK PLC-LEXISNEXIS RIS on my equifax report
Does anyone know who/what this is? This was only done a few days ago, I bank with Barclays but have not asked them for anything recently. LexisNexis http://www.lexisnexisrisk.co.uk/lexis-diligence.php seem to be some sort of risk management company.
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Double default?
Hi, I went into a DMP in 2005 , subsequently defaulted on all my cards loans etc, since starting the DMP ,all have been paid on time ,albeit smaller amounts. I ordered my credit file and found that one of the companies, Cabot had defaulted me in 2010. The original debt was with creation finance. I assumed creation had sold…
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In debt and new to renting
I am currently in debt (owe approximately 75% of my annual salary on 0% credit cards) but do have 1/2 my annual salary in savings. My question is would I pass a credit check with a letting agent or would they see this debt (I have never missed a payment in my life). If not then I guess my only alternative would be to wait…
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Is it risky to have bank accounts etc delivered at a shared house?
Hello everyone, I've recently taken a job down south, after living with my girlfriend for the past 10 years. We're both living in house shares to save money, until my GF finds a job down south in the next 4-6 months, at which point we'll get a flat together. In the meantime, I've got our mail redirected to my parent's…
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Does a credit check lower my rating
I read online that credit checks damage a credit rating slightly. Is this only if the check is done by a company like a credit card company or a bank? Would be doing a personal credit check via Equifax or Experience damage my rating?
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No credit record at all
Hi, Hopefully someone can give me some advice. My boyfriend recently applied for his first credit card and got rejected (he's 22) I figured it was because he doesn't have much credit history. We went on Noddle to try and get a look at his file but when registering it came up with a message saying they couldn't verify his…
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Identity theft by family member
hi everyone. i am just looking for some generic advice if possible. i recently obtained a credit report for my mum as she was looking at obtaining a mortgage and was subsequently declined. what i have established is my elder brother has had a field day in my mums name. various pay day loans have been taken out in my mums…
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Will opening bank accounts damage my credit rating?
I have found a way that I can make some money by opening a few bank accounts via interest and other bank bonuses. However, will the fact that I am opening bank accounts make it so that I will not be able to open more? I so far have a HSBC current account which I have held for about 9 years (My main bank account at the…
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Credit file question
I've sent off the forms asking creditors named in my bankruptcy to update the details as they state default, My question is the cra file shows my first default date on each debt as two months after my bankruptcy date,I never actually went into default with anyone and bankruptcy was sort of sprung on the creditors,I have…
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Help understanding statutory report
Hi, I just did my first ever statutory credit file report with equifax. I have a few questions though. 1. Why do I not see an over all credit score? Do I need to pay extra for this? 2. Why are my pay day loans not showing?
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Botched balance transfer leading to defaults
Hi everyone, I've recently sorted out a bit of a mess with a balance transfer which was meant to have happened in January with Nationwide taking on the balance of my MBNA card. To cut a long story short, it didn't happen properly and oblivious to it all, I missed 5 CC payments before it was sorted. No doubt this will have…
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Refused mortgage day before moving because of Orange/EE's mistake!
I have put a copy of the transcript I sent to Equifax and Orange to dispute my 4 x late payment marks - which has turned an excellent credit report into a poor one. I was due to move into a brand new home today but Halifax turned round the day before and withdrew the offer . . . THE DAY BEFORE!!!!! 'Having started a new…
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default removal
Does anyone have the correct address to write a letter to Natwest customer services (current account department) or the data controller as I need to try and get a default removed. I had an account with them between 2008 & 2009 but got into some financial difficulty in March 2009. An arrangement to pay was agreed on a…
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Credit search help?
Hi I have just checked my credit file and have noticed the following two searches on my credit file identity check for money laundering regulations this is entered 6 times on 2 out of 3 addresses on my credit file and Additional Address is entered 9 times on 3 out of 3 addresses both type of search were from Barclays bank…
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default Vs late payment history
well, celebrating success today!:T:T Orange have removed the default issued to my husband (obviously in error). This has taken much going between but we are so glad as we knew it shouldn't have been issued. However, on his credit report it is showing as 2 lots of 5 late payments.... which isn't true, but seems better than…
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Credit file default date changes
Hi all I just checked my credit file and noticed that Natwest had changed the default date on the information they have logged on my report. Can they do this especially as they changed it just as it was due to be removed from my file (literally days) ? Can anyone advise? Thanks
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credit refusal
Hi I've had two experiences of being turned down for credit and I'm not sure why. I'm 22 and for the past two years the only payments I've had are my contract phone and student loan repayment. I defaulted one phone bill but paid it within a day or so. I've had household bills for 4 months now and have never missed a…
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Barclays default removal- compensation?
Hi all, Hope someone can help. I've recently viewed my credit file on Call Credit and Experian. They both feature a student account I had with Barclays which went into default in July 2008 when I couldn't pay back the £1,300 overdraft. The amount got passed onto a debt collection agency (Debt Managers) in Dec 2008 and I…
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Apply for a new product with your bank...
Is there any banks that if you already have an account with them and then apply for a new product would only do an internal judgement on a yes / no without doing a full credit search elsewhere. ive had a satander current account for 4 years and always managed it well and i am thinking of upgrading to 123, however i have…
