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No more defaults but still struggling to get credit
Hi, I have recently come to the end of my 6 years and my defaults have cleared from my credit file :j I called my credit card company to see if I could extend my credit card by £200 but I was told that I couldn't. Is there a set time to wait (after 6 years of waiting) before I will be accepted for credit? I have recently…
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Postal address / credit profiling
I have currently moved address (rented accommodation). Over the past 5 years I have had around 3 addresses (all rental). Prior to moving in to my new premises I re-registered by bank and c.card statements to go back to my parents. My question is, now that I have permanent rental address again, shall I revert the bank…
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Declined Mortgage but no problem on my Credit Report
I have been applying for a mortgage in my own right to be able to buy my soon to be ex husband out of the house. I have the funds available to be able to borrow the money and have been paying the mortgage myself anyway for the past 6 months. I have got 2 credit reports for myself to see whether there is anything on there…
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Credit file 'length' of address questions,
-this is the forum i think for this concerns. When you want to find the exact years you have been at an address, and the months exactly....which your credit files hold (Experian), How can you check how many 'exact' years and months your experian credit file holds (I mean exact years and months), on the amount of years been…
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how often do you check your file?
How often do you people check your credit files ?
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Help interpretting credit report
Hi all, I have successfully managed to get an incorect Arrangement to Pay taken off my file which is great, but there are a few other things that I don't understand and would appreciate a little advice with. Do lenders look at just the markers, or do they look at and interpret from the actual data? One of my credit cards…
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Arghh a year left until defaults drop off
Sigh. I just had to vent somewhere, I hope you dont mind. I am sure some of you feel my pain. I worked my !!! off to clear £27 k of debt and have been debt free for years now..however I have never stopped hanging onto the horrible scary feelings that someone will come calling again. Even though I know I dont owe any money,…
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Ge money default
Hi ge money have put a default on my dh credit file that is wrong they have been harassing us for 2 years for a default that is wrong they have now sent me a letter stating that they have taken a charge off the house and the debt is clear how do I get it on ff my dh credit file please??? Many thanks
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Help with Barclay Card 6 Late payments mark for 15 months continuously!
Hi all money saving experts! Barclay card taken on 2003. Had problem of paying from November 2011. Total debt was £2600.00 (including interest and I did not have any PPI on it). On March 2012 there was the first report of 6 late payments on credit file. They reported 6 late payments continuously for 15 months till May…
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Student loans and credit ratings
Apologies if this should be in the student section. Couple of quick questions. Will having a student loan affect credit ratings? And I have a student credit card, it only has a limit of £350, but I've barely ever used it. At worst (a few years back) I used it a few times but never missed a minimum payment and always paid…
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Low score but up to date
I'm one pay day away from being completely debt free and it feels fantastic :) I checked out my credit score on noddle, and they've been really good and cleared some mistakes off my file - late payments when things have been paid etc... However, despite it all being up to date, I have a low score or 1/5. I don't understand…
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notification of default
Hello, I had a default issued about 6years ago when I first got into financial difficulty and ended up on a dmp. My question is, if a further default has been applied, would the company have to notify me of this? thanks, kezz
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Paying to get a settled default removed
I have a default from Halifax that was placed in 2011, It was partially settled a month after it was marked as a default, I can't remember the exact figure but i believe they knocked around £1000 off a £2200 bill. My question is, is it worth contacting them and asking if I was to pay that extra amount would they in…
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Completed credit card application wrong and got turned down
My wife applied for a credit card with Sainsburys, but wrote the wrong salary down (she put £4k per annum down as a mistake), and she got turned down. She earns a lot more (more than a multiple of ten), and has an unblemished payment record. Her assets outweigh her debts even before you take our home into account. 1) Will…
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o2 and defaults
Hi all As many of you will be aware there is no shortage of people who feel that they have been dealth with by o2 in a terrible manner regarding defaults. I and many others on here, CAG, O2 support etc etc have all had similar experiences. The general theme seems to be: final bill at end of contract somehow not paid o2 do…
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Looking to improve my credit score...can anyone help on which would benefit me most?
Hi all, I have recently discovered that after moving house several times within a year, there was an outstanding debt I failed to clear. After discovering it a few months ago, I immediately paid it off and is now on my credit rating as a 'default', which has made it impossible for me to be put onto my partners mortgage,…
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Experian credit rating says poor, but is 714?
Just signed up to experian. Got my pin today, so I could see in depth my score. I'm on the orange area, which is 'poor' my score is higher than I thought it would be at 714. How can my score be 714, but classed as poor? I found out I had a default a few days ago, through my expedia, and I paid it off yesterday afternoon,…
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Noddle credit rating
I'm not sure exactly what goes into a credit rating, but I've never failed to pay a bill, I've had credit cards but always cleared them off, never been late on anything... but my credit rating was only 4/5. Like I said though, I don't really know what goes into it so it might be what I earn etc. too so didn't really query…
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soft search vs hard search
Hi, Just a little confused. How much use is a soft search and how does it compare to a 'hard' search? I understand that a soft search doesn't leave a mark on your credit file but how much information can be gleaned by a lender from just carrying out a soft search? Is it the same amount of information that they would see if…
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Default on my credit report that isn't mine
I recently obtained a credit report and saw a default dated 2010 registered by Orange, which I was surprised to see as I have never had an Orange phone. The default was registered against my name, but against an address I have never lived at. The default also lists a date of birth of someone born in 1955, which is someone…
