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Settlement to Register
Really sorry i've tried to search for this in the forum as i'm sure someone will have asked already but I must not be wording my search correctly. Basically I settled about £1000.00 worth of debt on my 0% credit card, clearing and then cancelling the card. My main question is how long will this take to register on my…
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Disputing a default
Hi guys, I wondered if someone could shed some light! I had a loan around 7 years ago for a period of around 5-6 years. This was from MBNA. It was paid on direct debit and it come out each month. I never really paid any attention to it. It would just pay each month and I didn't need to do anything. It was only a low amount…
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Mobile phone default..how to remove it...
Hi A mobile phone company has placed an default on my credit file for non-payment. History: Contract was suppose to finish in August 2008, so, I wrote them a letter via normal post to advice them to cancel the contract as I was not planning to continue with it. As I have finished the contract, stupidly, I cancelled the…
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Credit Scoring - doesn't keep up with the times
Hello All I work full time now and I earn 25,000 a year but just after leaving Uni 5 years ago I had a couple of debts, one default and a few lates. These are still on my credit report now, though I paid back all monies plus interest at the time - I have never not paid back a debt and everything has a settled at the end of…
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bright house
Hi, Does any one know if Bright House ( or similar shops)- 1- do credit checks before accepting you and 2- improve your credit file when you keep up with the payments thanks dan
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credit rating
Will having a second mobile phone contract affect our properties credit rating? There would be 3 mobile phone contracts assigned to our property. 2 mine and one my wife's
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Credit Search Question
My other half recently got a quote for a personal loan with his bank-he didn't follow it through as he went for a 0% cc instead. I just received an alert from Equifax saying his bank have recorded a search against me. I am not a customer of his bank and his query was in his name only-is this usual? We are financially…
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Credit check for savings
Hi, This may be a stupid question. Sorry! But if I apply for a savings account at a bank I am not a customer of, will they do a credit check, and would they reject you? I know they will/might for loans, credit cards overdrafts etc. I am looking to open a new savings account but have been rejected for other things recently…
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Financial Link
My Noddle account (and presumably Experian and Equifax) are showing me as having a financial link with my husband. This is in the form of a bank account that was closed (and is showing as closed) in 2007. I am no longer financially linked to him, as we have separate bank accounts. His credit rating is dire and I am working…
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How do I improve my score to get a 0% balance transfer?
I need to put some of these below on a 0% balance transfer or a reduced APR, so I can start a snowball. I really don't want a loan. Two at the bottom are interest free. I've just got knocked back on a MBNA interest free Balance Transfer CC. On my Experian report, we missed a couple of card payments and one store card…
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I have bad credit will this effect my partner?
Ok so I have bad credit which is all now being sorted through a DMP. My partner has ok credit 632 with a few discrepancies which are being delt with my Barclays and a mail order catalogue. He recently applied for a tesco loan but was declined and in the letter it said it could be due to one of there financial assosicates.…
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Strange Company registered at my address
I have recently discovered that someone has re-registered my old company (Kzvs Ltd) at my present address. I know a company name can be re-used but can they use my own address for the re-registration? How do I protect the future credit rating associated with my address in the longer term, I fear it could be compromised by…
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Payday loan saying they don't report to credit bureau?!?
Hi guys Before I got bailed out by my family, I was in the process of setting up a DMP with StepChange. All my creditors were notified, however, I managed to pay off the payday loans before their due dates and before the DMP start date. I questioned my creditors a number of times about the status on my credit file…
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Will Sub-Prime Credit Cards look bad to a mortgage lender?
I will be settling off my IVA during the next two weeks, and then my plan is to start building my credit rating and saving for the deposit on a house with my husband. I will first be looking to get a normal current account and then as I understand it the best thing to do is to take out one or two credit cards such as…
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Incorrect financial link/previous name on credit report
Quick (or maybe not so quick) question. My friend has changed his name twice by deed poll. Under his 'previous names' part of his credit file is a woman's name, and associated is over £4k of debt and defaults, which is severely affecting his credit rating. He has clicked on the 'report problem' link before, but nothing has…
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credit rating fail.. my own fault i think
Trying to get a new phone deal which is better than the current one. Stupidly I applied in my maiden name (divorced) which I am in the middle of transferring back to. So I have old bank accounts in my old name and new bank accounts in my maiden name. Signed up with new bank account and maiden name. I signed up with a…
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Multiple credit card payments per month is it better ?
Hi I was just wondering if I paid multiple payment off my credit cards a month would that build a better credit score eg minimum payment = £100 a month so instead of paying one £100 I pay say £25 four times up to the cut off date. Because don't you get so many points per payment !! Any help would be great
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very stuck and lost..
hi guys, this is a bad one I guess.. im new here, im jack and im 23.. about 4 year's ago I racked up a 4k credit card which I was paying of..then baines and Ernst got me in a debt management plan because I also had a loan and at the time I was struggling with money...before tue debt management plan I got a vw golf on…
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Advice please
I need help with a query my other hallf has a ccj with the ministry of defence which has been paid in full but when i checked trust online registry it was still saying marked as unnsatissfied but has been paid in full he contacted the court and they said its not up to them to prove that its been paid and the MOD aren't…
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How did I end up on a "Can't-Get-Credit-List"?
In November I was rejected for a Post Office credit card. Then in April I was rejected a Debenhams store card. Since April I've been receiving weekly (if not more often) letters through the post from Marble, Barclays and an assortment of other companies offering me credit cards (with brilliant offers like only 49.9% APR).…
