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Does this mean my default has been removed?
Hi everyone, I had an annoying mix up with Orange and a default was put on my credit file. I contacted their Credit Referral team, asking for it to be removed. This is what they replied: Back story: I should note that the 4 missed payments were due to the DD being accidentally cancelled. As soon I realised my mistake, I…
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CCJ Removal
I have a question regarding a CCj i have on my file. The CCj was added in May 2008 which i settled in December 2008. The question i have is this, do the CRAs have to remove the CCJ in May 2014 when it was issued or December 2014 when it was settled? Thanks. RRJ
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Strange associate info on Experian credit report
Hi guys, I'm probably worrying about nothing, but on my Experian credit report, there's an entry in the financial associates section for myself! Heres the copy from the record itself, I've starred out my personal information, but I've bolded where the error seems to be, otherwise the rest of the information is correct: MR…
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Poor credit rating due to bank error - help!
Hello all, apologies in advance for the length of this post, but if you can get to the end of it I would really appreciate some advice :) I had a credit card back in 2010/2011 and for some reason the bank cancelled my direct debit! They failed to inform me of this and as I result I incurred a number of charges and missed…
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Rather inaccurate article about Credt Cards in The Telegraph
This is so littered with inaccuracies and nonsense it makes me quite angry. Someone from MSE should go and shout at this deputy editor chap! http://www.telegraph.co.uk/finance/personalfinance/borrowing/creditcards/10191773/Perfect-borrowers-rejected-by-credit-card-firms.html In case anyone here has read this and is still…
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Help Required
I'm new to this forum but I'm looking for some advice! I'm still staying at home and I'm trying to sort out my credit rating and debts to clear (about 8k). I've never missed a payment to my loans and I'm paying them on time, can I affect my parents credit rating? Any help would be appreciated to ease my worry!
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credit checks
Are there any free reputable credit check agencies online WITHOUT having to sign up and cancel inorder to get it free? Plus, does it affect my credit score if I use a credit check website to see what its like?
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Credit Rating/Electoral roll and Letting Agents
Hey everybody, need some advice. Im 25 in full time employment and currently living at home with my parents. Things are too much to cope with here so i'm looking to move out ASAP. I've found a flat I like and hopefully will get a viewing early this week, I contacted the letting agent about upfront fees and its 495 for…
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HSBC Overdraft and MSC
Hi All, I am new to this forum and require some advise. What entries does HSBC put on my credit file after they have passed on my cancelled overdraft to Metropolitan Collection Services?
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Removing a link between 2, (from joint bank acc) - Would these methods BOTH work ?
2 people are linked on their individual credit files due to having a few joint bank accounts (which have just £10 in them) Their credit files both need the 'other' person removed, The aim = to 'dislink' both people, on BOTH Credit files, so they are NOT LONGER linked. (there is no other things on their credit files) -…
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Do Credit reference agencies write to you ?
After you write to credit reference agencies with chances, or errors to be removed, then they proceed with the changes to be made credit file, do they ever send you changes in writing to your address? or write back to you with any other stuff , through the mail?
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Automatically increased credit allowance
Hello, I have an account with Littlewoods and have been a good customer of theirs for years. Every now and again they increase the amount of credit available to me, to ridiculous amounts I'd never dream of spending. I always give them a call and ask them to reduce it. However, we are currently saving for a house deposit…
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CCJ Showing on Credit File
Hi all, Just checked my noddle credit report and there is a CCJ showing as "Active" on my account from 2010. I had absolutely no idea about this. I got into some stupid debt at uni etc but eventually signed a protected trust deed in October 2010 which is due to finish next month (yay!). Before this I was paying small…
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Someone else's debts appear on my credit report
Hi I checked my credit report for the first time using Equifax, and noticed that someone else's debts appear on my report. I can understand why, as this person is my twin. As well as sharing the same birthday, we share the same initials, and address. How do I go about getting their details removed from my credit file?…
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Barclaycard
Hey guys i had a barclaycard that was reporting 6 payments late for past five years, however I have now paid it off in full on the 28th June, but the problem I have now is this they have just updated the credit file to reflect this it now says 6 payments late and balance is £0 however the account is not showing as settled…
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Out of the country for 12 years. NIGHTMARE.
I've just returned to the UK after being abroad working for 12 years and am really struggling to get even the most basic of credit. I am currently staying with friends till I can get my work contract signed so what with that and everything else I can see its a fairly long road regardless of my earnings. I have already…
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Excellent credit score, turned down
sorry guys I know you must have answered this countless times but I'd appreciate some help. I have a score of 970 at Experian - I know that isn't everything but as I havent been able to check Equifax etc yet I was careful to apply for my loan at Tescobank because they use experian only and thought that should be safe. I…
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Default Getting a Morgage
Hey I am after some advice, 3 years ago i was in a massive arguement with orange over a £117 phone bill i had anyway after 4 months i paid it and that was the end of the story, well gess not i went to apply for a credit card this year and got declined checked my credit file turns out i got this default. the Default was…
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Moorcroft & Callcredit
I would be grateful for any advice. I have received a letter today from Moorcroft, the letter states that a company called Callcredit (never heard of them) has contacted them to advise there has been a change to my circumstances and to contact them. I do not know what change there has been as I am still in the same…
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Lloyds TSB Credit rating Question!
Hello, after a meeting today with Lloyds I am told that I am band 1 out of 9 on the internal scores, which is the best- but for external scores I am F out of A-I (A being the best!). According to noddle I am 5/5, so how reliable is Lloyds External scoring? Any reason there would be such a gap? Thanks :)
