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Arrangements to pay
Hi I have just checked my Equifax report and have arrangements to pay which don't have a default is this correct, I assumed it would automatically show as a default. I also have default for an overdraft where the date doesn't look correct. These accounts are all showing as settled. Does this sound correct Many thanks for…
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6 Years From.... What exactly?
A little curious regarding the 6 year time span regarding defaults on credit files. For example: As far as I can see, this situation could "drop off" at... - January 2016 - This is when the default has reached 6 years old. - July 2016 - This is 6 years since the original creditor has passed the account over and the new…
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Credit card - closed account, paying off monthly. Damage credit report?
I had a Flybe CC. They increased my APR, so I opted out of the increase and stayed at my old rate, but they closed my account/disabled my account/card. This was a month ago, and I hope to clear the balance in the next 2/3 months. I'm a little worried that Flybe will report 'arrangement to pay' to the CRA's, damaging my…
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Default for british gas account i knew nothing about
Hi I recently found out that my credit report has linked me to an address i rented 3 years ago and there is an unpaid gas bill there that has lead to a default. Now, i did not sign up for this account, received no letters about it while i was there, and the landlord closed the account when i moved out. After this they sent…
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Credit Report
Hi, I'm new to here and sorry if i haven't looked about an found the correct sections but I have been using the experian website abit after paying £2 for my credit report. To be honest I was expecting to get a credit history along with a "score" of some sort but looking through it I see my bank details and searches against…
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Improving credit rating after DRO?
My Debt Relief Order went live in Feb 2011. I was "discharged" in Feb 2012. I was told I wouldn't get credit for 6 years, yet got a contract phone last Dec. I got this because it was cheaper than PAYG and I hoped that meeting payments each month would help to improve my credit rating. Have signed up to Noddle and checked…
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Can Child Tax Credits Overpayments affect your credit score?
Hi all, quick question, if you have an overpayment with HMRC that needs paying back overtime, would this affect your credit score or show up as a debt on your credit report? Many thanks.
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paid off and closed 4/5 of my credit cards
I think I had a total of £20K credit allowance on all my credit cards put together. I have recently decided to cut down my exposure to credit. Recently set up a company and I'm being credit checked personally because the company has just 3 months trading and no filed accounts to date. In order to help secure business loans…
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mortgage refused due to wonga/payday loan
HI despite having a well paid job and a clear credit record I have been turned down for a mortgage. My mortgage adviser thinks it is because of two Wonga loans I took out early in the year as he said I exceed all the other criteria At no point did Wonga make me aware that taking out a loan would adversly affect my credit…
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will wiping out my debt get me a good credit rating?
Hi all....please advise... I've 14k of debts on loan and crefit cards....some are on a payment plan....I checked my rating on noddle and it was 1/5. I've never had any ccj's or court judgements for missed payments I'm getting a loan from a relative to wipe these out and close the accounts. But will my credit rating rise as…
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Getting irritated!
I am in the process of rebuilding my credit rating after a few bad years. I got a stupid CCJ in 2009 and satisfied it in 2012 and by 2015 anything bad will be off my credit report. I am signed up to Equifax and looked at my report the other day and there is a CCJ showing - brand new but in my father's address (we have the…
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HELP being chased for debt that does not exist
Afternoon all not sure if this is the correct place to post this, but in summary i had a contract phone from O2 wihch was missold to me over the phone (basically told 2 months free line rental), which upon receipt of the phone and first bill coming in they said they had no record of this, but i did as was all done from…
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ICO complaints procedure
Hi, I have a financial institiution reporting incorrect data to a CRA, I have already written to them to inform them of their error but they are denying it still :mad: Is there a complaint letter I can send the ICO? Thanks for the help in advance
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Credit Scores so different, Im Confused!!!
So this is where im at, ive paid off all my debts now and just waiting for them to all show on my credit files, but what i am confused at is the difference in scores with Equifax and Experian. Mine is- Eqifax- 261 Experian- 624 My Wifes- Equifax- 336 Experian- 841 Just wondered if anyone can shed any light on why they are…
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Historic Debt Advice
Good Morning All This is my first post here so first of all Hi hope everyone enjoyed the weather while it lasted Ok so here's my story I recently got my credit report as I was finding it hard to get a mobile phone contract which has never been a problem before and here came the shock I had some historic debts I was unaware…
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Please help! agreement plan/mortgage/missed payments!!
First thank you for visiting this thread hopefully you can help me with my ongoing issues and give advise. I took out a credit card with natwest around 4-5 years ago, after a while mainly because i was young and naive i missed 3 payments on the card. I called Natwest and paid the missed payments, but as this point the…
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Tips on improving your credit score
What are all the different things one can do to improve your credit score fast? Thanks!
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BT Reporting Error?
Hi Guys/Girls, Just wondering if anyone can help me with a couple of questions. I signed up to BT Broadband and Phone when I moved house in Feb this year. They ran credit checks at the time and sent out all the documentation etc. They then gave me an install date 2 months in the future, there was no way I could wait 2…
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Sold on debt doesnt reflect default
I had a CC with Barclaycard and when it all went wrong they didn't default me, just kept putting on late markers (2010). The debt was sold on to Cabot in late 2011 who had been marking it AP although since I had to lower my payment amount, they too have been adding late markers (using 5 for the last 4 months etc). I wrote…
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Ex-boyfriend running up debts at my address!
Hi there. I split from my ex back in April and since then he has been applying (with no luck) for big loans of £5k etc. He also took out a gym membership way after he moved out - at my address - and has already defaulted on the first payment. His bank account and driving licence are still at my address. I've been returning…
