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Credit file & ratings

Archives for September 2013

Requesting original terms and cons
If you request original terms and conditions that applied when you started a service (i.e virginmedia) are they obliged to send it to you when requested or do you HAVE to send it in via subject access request?
Bt and virgin defaults?
Hi Does anyone know when bt and virgin added into their terms and conditions that they could " share your personal data" aka report to credit files. I've just found defaults from 2009 and 2011 which started in 2008 and 2010 but I don't recall anything in what they sent me saying they could share personal data to cra?…
Getting my credit reports....impossible?!
Having taken out a DRO in January, it's not long until I'm discharged :j I have NEVER seen my credit report, even at citizens advice I refused to look at it when sorting the DRO as I was simply too ashamed, so thought I had better acquaint myself with it as I will need to do some 'cleaning up' in a couple of months (ok 3…
Why is my credit score so bad?
I have a terrible credit score and don't quite know why! Hopefully someone here will be able to help me and point me in the right direction to improve it! I know you shouldn't put any trust into these things, but credit score on noodle is low- 1/5. Also tried to get a £5000 personal home inprovement loan recently and have…
Letter from Arrow Global
Hi, I hope I'm posting in the right place. I received a letter from Arrow Global this morning telling me I owe £1,023. The original debt was supposedly Shop Direct Finance Company (which I have googled and found to be Littlewoods, Very etc). They also quoted an account number. I have a vague recollection of having a…
Poor experience with Experian Credit Expert
I have been a happy customer of Equifax's credit report monitoring services for around 6-8 months whilst clearing up my credit report and wanting to have visibility of it up until I apply for a mortgage. I have raised 4 queries concerning data in my report that was correct and in each instance they have contacted the…
Identity theft query
Someone has used my name and a previous address to take out new contracts with three mobile companies. I've contacted each providers fraud dept to block and advise them that this is nothing to do with me. All but EE have advised that the numbers will be blocked and nothing will appear on my credit rating. (bills have been…
Fight with Arrow over a default
Hi, I checked my credit score a few months ago and noticed a default and an outstanding balance of £175 had been put on almost two years from a company called Arrow Global. I had never heard of these and have never had any correspondence from them so goggled them and contacted them to ask what the default was for. They…
Credit card missing from file - good or bad?
Quick summary: An open credit card (with no current debt) is missing from my credit file. I want to apply for a different card soon, and am wondering "strategically" whether it's better for me to contact the credit agency and have the missing card added to the report or not? More details! I've been having a look at my…
About to apply for a mortgage - many addresses
Hi all, I am due to apply for a mortgage soon, and although my mortgage in principle is fine, I'm concerned there may be issues later due to the number of addresses I've had. However, the majority of my banking information is at one address - I am hoping this will help. In brief: 2006-present - banking address sent to…
Account listed as in arrears
I checked my credit report today and noticed that a mobile phone account with o2 that I cancelled in September 2012 was showing as in arrears for October to January, then as settled in February. Confused, I logged into my old o2 account and it's saying I need to pay £7.54. I ring them and apologise, saying I had no idea…
Using our address?
Due to personal circumstances my daughters boyfriend has been staying with us for the last few months. He has a car on finance and a contract mobile phone, he has a full time job and up until now he pays his commitments. However he still has his address with these companies as his previous address, it is very unlikely he…
Problems obtaining Equifax and Experian Statutory Credit Report
Hello there :) As the title says, I'm having trouble obtaining Equifax and Experian credit reports (statutory). Nor am I able to get the Noddle one either :S Everything seems to be ok when filling out the details with Equifax (Name, addresses, payment, username, password)... after I click to go on to the next page, it…
Orange/EE destroying perfect credit!
Hi, I'm hoping someone here will be able to help! My husband is in the military and was abroad last year and used his mobile for the Internet. He arrived home to e very large bill from orange for data use outwith the EU. This is not an issue but he phoned to discuss this with them as he did not agree with some of the…
Rejected for loan, just checked noddle
Noddle gives me a credit rating of 1/5 but no indication why. My existing obligations are listed as good. Small loan with my bank (1500) - half way through. Never missed. T-mobile monthly payment. Never missed. Bank account - everything in credit. All green dots apart from 1 month of july 2011 (overdraft). I'm also in full…
Cancelling oldest credit agreement.
I have one store card which is 4-5 years old, another which is around 2 and one credit card the same age. I always pay off in full every month. However I rarely use the oldest store card, (been in a couple of times and walked out the shop empty handed, unimpressed), and i'm so disinterested that, wanting to double check…
Pointless credit application - what affect?
Hi, My father in law is useless on computers, he wanted to apply for a credit card so i was showing him what you do on a NAtwest application. Some of the information on it was correct and some was just off the top of my head. Anyway i never thought a credit search would be done until the end of the application when you…
confuzzled by credit files
Hello I am in the process of trying to make a cheeky few full and final offers.. to finally clear of some of these haunting debts.. my file basically has 1 account which is ok - my bank account.. everything else is long standing default. My question is.. if after 6 years things drop of your file - do this technically…
Noddle rating changed
I have used noddle for a few years and they have always shown my credit rating as 5/5 but I checked recently and it has dropped to 4/5. I don't understand this at all as I haven't applied for any new credit or got quotes for anything. Also, I've never missed a payment in my life. I use my credit card for most things and it…
Credit search for account which isnt mine
Hi, Someone in the property i reside in has applied for a credit card and they have searched my credit file, can and why would they do that?

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MSE News

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