-
Some help with Experian please
I've recently signed up for Experian's free trial, and had my PIN number sent to me. However, on logging in my credit score appears to be 0 and I am unable to proceed to my report. It keeps citing a technical error and suggests I ring the help desk. I suspect the problem may be with my address, although the letter found…
-
Credit Rating ruined???
Hi all, I've just signed up for a little advice on a situation that my wife has at present. Basically just over a week ago she was in Debenhams and was asked if she wanted to have one of their 'Store cards' she asked a couple of times during the process if it was just a normal store card to make purchases within Debenhams…
-
Borrowing Money to IMrpove credit rating
I have always followed the rule if i cant afford something in cash i dont get it. So i have never really got anything on finance. I have read my credit report and its pretty plane with nothing on it. I have been out of work for a while but i have now started a new job. And i have started thinking about my future.…
-
Consolidate or not?
Apologies, Not sure if this the right place for this thread, could it be moved if not. I am posting as I am looking at whether it is worth consolidating my current outstanding debts, or leaving them as is for now. I am able to make all payments fine, never missed a payment and monitor my credit file regularly, with score…
-
Cleaning Up Credit Report
Hi, I'm new to the forum so apologies if I'm posting in the wrong place! I'm really hoping that I can get some advice and support in helping to clean up my credit report and rebuild my credit rating. I've recently obtained a copy of my credit report from Equifax which shows an old debt to Marlin Financial Services Limited…
-
Debt Assigned
Heya, Back in 2009 as a student I got into some debt problems. The student union helped and set up agreements with respective creditors and I have ensured these payments have been made every month. Today i've checked my credit file and it says one with Lloyds has been settled with the status debt assigned. This was in…
-
Defaults I believe are wrong dates.
Hello I`m trying to find out how i can find out the original default date from the original creditor. I have moved home a number of times over the past 4-5 years. I dont have any of the current accounts which i was paying the debt from, I also dont have any paper work of any sort to do with any credit agreement or default…
-
Credit Rejected - Unknown Address
I'm asking this on behalf of a work colleague who's daughter has just been refused credit. Basically she applied for credit to purchase a car and it was refused. She was told to provide her addresses for the past 5 years which she did but was told there was another address showing which she had not given so therefore…
-
Lowell Default
Hi I stupidly defaulted on an orange account, the default was originally dated january 2012, this debt has now been handed over to Lowell. I haven't paid it yet, I intend on settling it over the next month. On checking my credit rating Lowell have defaulted me in August 2013, how can they do this when the original default…
-
Capquest default on credit file-can this turn into a ccj?
Just check my credit report for the first time. My score is on Equifax 361. I looked through everything, and everything is excellent/good, apart from a default from Capquest. This was placed on my report 11th November 2010. I thought the debt was a year or so older than that, but I do believe I owe it. I moved and just…
-
Download Equifax Report
Hi My financial advisor wants a copy of my equifax report, any idea how I can download and email it to her? Can only see a print option. Thanks
-
Default help please - affects mortgage application
Sorry in a bit of a panic mode here! Checked my credit report end of march, everything clear, I've never missed a payment on anything. Mortgage accepted etc. then my flat fell through. Checked noddle again just to make sure all ok for another application and I've suddenly had a default appear in April this year for £172…
-
Do Direct Debits affect Credit Scores?
Hi, After reading the MSE guide on credit ratings, I'm still not sure on this. If I've got credit cards, store cards etc, these will be on my credit rating along with info on my payment-making. What about direct debits I have - council tax, phone bill, gym etc - will making regular payments like these be a good thing for…
-
National Hunter - what they know about you
Here's what happens when you get your info from National Hunter, thanks to my data request 3 weeks ago. Who are they? National Hunter is an anti fraud organisation. People like banks and credit card providers send your stuff to NH to get checked over. If NH think it looks dodgy, the red flag it. Then it gets investigated.…
-
Santander Default
Sorry if this is a silly question or one which has been answered elsewhere but this is only my second ever post! According to my Equifax credit report I have a Default Account from Santander from August 2008 which was settled in November 2008. The Default notice sits attached to my previous address from which I moved to my…
-
Recieved default notice, but bills were being sent to wrong address...
Hi, I am hoping someone might be able to tell me where I stand, or give me some useful/impressive wording/terminology to use in my complaint to give it some gravitas! I moved out of my (I own it) flat last year to move (temporarily) overseas. I have rented out the flat to tenants who pass on any post etc to me when either…
-
Credit Agreement Advice
Hi, I had car finance in 2008, it's since been settled but during the agreement I was made redundant twice (bad times!) I didn't have any insurance cover for this on the agreement so arranged with the company I'd make half payments and they agreed. Moving on they have me down as being 5 months in arrears on my payment…
-
Getting a free 'score' from Experian
Hi all, Keen to see what my Experian score is (to be served with a huge pinch of salt for all the obvious reasons snd really just out of total curiousity) even though it is worthless. Can't sign up for a free trial as have had one 'recently' (although at start of 2012 and didnt include the score either). Emailing and…
-
Credit file association
Hi Guys, I have recently moved into a new house, so i have been ringing up the various utility companies to open new accounts. the problem is that the account from which the money will be taken is in my partners name. He is now worried that as the utlitiy account is in my name and the bank account is in his that we will be…
-
What happens to Default if I py debt
So, I have 2 defaults, 1 of which is 6 years old next month. The other was recorded in 2010 and is only for £323. If i pay this what happens then? Does it improve my rating as it will be settled?
