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Noddle, are all payments just 'OK'?
While I am at Uni, I am trying to build a decent credit rating with an Aqua credit card payed off in full monthly. I use Noddle to keep track of my credit rating. I have had the card about 3 months, but only recently started using it - will the OK change, or is that 'good'? I ask because I'm confused as to how you can tell…
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Credit card when I don't need one?
Hi everyone This is my first post to the forum so please be gentle! I am in a dilemma at the moment about whether I should take out a credit card or not. I am currently a nursing student at university going into my second year and hope to get a mortgage for a home after I qualify. I have done quite well saving up for a…
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Will £5 affect my credit rating?
Hi, After we bought our place we had British Gas as our new supplier for utilities which I swiftly tried to change but had to wait the statutory 30 days. They then refused to transfer the gas account due to 'outstanding' debt (£20!) which I paid over the phone. I then had to wait another 30 days to move. To cut a long…
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CCJ on Noddle Credit File - not mine, what can I do?
Hi, I completed a Noddle Credit Search on myself earlier this week and discovered that I have a CCJ registered against me from 10/10/2008 in Northampton Court. I have never had any bad debt registered against me, and in 2008 whilst I was technically registered at the address on the judgement, I was away at university. The…
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those of you with a noddle account - help please
Back last year I tried to remortgage, managed to in the end with ge money but at a bad interest rate as I had a poor credit history. A few late / missed payments, I'm not really sure what if there is a difference between late or missed as they were all made in the end. Anyway all sorted this time last year, all debts paid…
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Should I cancel Experian?
About a year ago the best thing I ever did was get an experian report account. My finances were such a mess that the only way I could find out what I owed and to who was to open an account with Experian and it was money well spent. I have now consolidated and although the amount of debt is large I know exactly what is in…
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Car on finance with a default - any luck?
OK so here's my situation...baby on the way, need a car, want to go down the finance route. I currently have a credit score of 857 on Experian, my only debt shown on my report is a credit card balance of 974 on a barclaycard (this was paid off last month and closed, so score should go up when updated). The problem is I…
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Default advise please
Hi all, Just after a little bit of advise regarding a delayed default put on my credit file. I entered into a Dmp in Nov 2010, 3 of my debts are with the natwest, 2 x credit cards, 1 x overdraft. My credit file shows I defaulted 1 Credit card debt in January 2011, the 2nd card debt defaulted in Febuary 2011, which was what…
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When do defaults come off credit file?
I have been reading about this and still don't quite understand. My husband and I got into some debt about 5 years ago as he was self employed and like a lot of people around that time, it ended in disaster. He has a good job now and we are paying our debts through a debt management plan. We don't have a lot of money spare…
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Advice needed *Please*
Hi everyone, I'm a newbie to MSE, but look forward to reading peoples posts and receiving advice should I need it, which as of yesterday I do :mad: 2 years ago, I got a credit report done through Credit Expert while in the process of getting a Mortgage with my GF, unfortunately my dodgy financial background meant I was…
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Default on my credit report
Hi I would be grateful for some advice. I experienced financial problems in 2010 causing me to miss three payment on my Natwest loan. This was handed to Triton and a payment plan was set up over 36 months to clear the amount owed. I paid 18 months of these installments and in December 2011 I phoned and asked them if they…
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Credit Report fixed but not Rating
Hey Everyone, I'm looking for some advice for fixing a problem with my credit rating. I've used the free report from Noddle for quite some time now and have found it to be very useful. Last year I had two instances where late payments were recorded against my account (barclays credit card). This was due to an error with…
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MBNA agreement - default on Experian
Folks, I was offered a job with RBS recently and they told me they were going through 'pre employment checks'. I worried that this might involve my credit history because I've been a mature student and have had to obtain 'agreements' with my two loans to reduce the payments - however these have since been brought up to…
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Experian Credit Expert Millennium Bug!
Signed up to check my credit file with Experian and was amazed to find that they seem to have allowed the Millennium bug to creep into their website, only 13 years too late! On the associated names page it links my grandmother to me as we have a joint account. All fine except that they show her DoB as being 2012 not 1912!…
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unenforceable debt with Barclaycard
I never applied for a Barclaycard but I received a letter saying my account was overdue. When I investigated further a bill had been run up in my name for approx £3000. Using the templates from this site I wrote to Barclaycard asking for a copy of the credit agreement. They replied stating they don't have a copy of the…
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Result!!!
I don't know if any of you will remember my thread from a couple of months ago (I mentioned that my mortgage was incorrectly shown as 'arrangement to pay') BUT, I complained to the mortgage provider (ended up submitting a letter via email as wasn't getting anywhere really with the phone), and they have now rectified the…
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Default from MERLIGEN INVESTMENTS just appeared on my Experian file
Hi all, I checked my credit file this morning as normal every week and have noticed that a default has been entered by MERLIGEN INVESTMENTS. The default date is 11/03/2013 according to the file. Now I know I havent paid towards or acknowledged this for years so I found it disturbing how this company can just enter it on my…
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Partial settlement v full settlement HELP PLEASE
Hello My girlfriend has a debt of £2050 with debt collection agency. We have had a partial settlement agreed of £1540 stating: "If the above payment (£1540) is receieved our client agrees not to pursue you for the remaining balance and will not pass on the remaining balmace to anyone else to pursue" "partial settlement…
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Little Advice Please??
Hi everyone, Me and my girlfriend recently applied for a mortgage with Halifax, we got accepted and have a 'mortgage promise' however they said there was a problem with my credit so would require a 15% deposit as opposed to a 10%. Anyway I signed up and checked Experian and found that Orange had me down for a defaulted…
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Satisfied and Settled
Hi All I am trying to clear my debts off month by month. I was advised today by mackenzie hall that if I chose to take their settlement figure then it will only appear as 'satisfied' on my credit file. If I pay the full amount it will be 'settled'. I would like some advice on this please as not sure if they are trying to…
