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Missed payment
We are hopefully going to apply for a mortgage soon and we missed a payment on the broadband as they were setting up a direct debit its not a default just a late payment Will that stop us from getting a mortgage or is it just defaults? x
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Arrangement to pay on credit file
Hi all, please for give me its my first post and I'm self confessed snooper. In 2007 I got into a bit on financial difficulty (too much debt) and started to work with paypal to sort my finances out. I read a lot about DMP’s and thought these arrangements would be better than defaults (I did have 2 defaults but now have…
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Equifax score of 294. No credit accounts. Linked address weirdness. Any ideas?
Hi all, I've got a 30-day trial with Equifax and a horrible credit rating to fix. Help me MSE, you're my only hope! Problem 1: I have no credit accounts, which apparently is dragging my credit score down. Any recommendations? Problem 2: My previous address is incomplete, and my current address is duplicated as a linked…
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Empty report???
I've received my credit check and it's empty? Literally nothing on there. I know that I have previously had bad credit but this will be over 10 years ago. I've applied for a house through a letting agent and they are doing credit checks. I'm scared I won't pass. But if my report has nothing on it, what does this mean? Any…
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Someone trying to steal my address?
I dont know where to post this so pleaese move it Mods if its in the wrong place. Today and yesterday letters both normal and signed for and small packages have arrived at my house addressed to people I have never heard of and who have cetainly never lived here. There are no people of the names in our village. I havent…
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Wonga 2 defaults on credit file?
Hello! I was wondering if someone could help me? I have been perusing the OH's credit files (I manage all finances in our relationship ;) ) and noticed that Wonga have put two defaults onto his credit file - one for 1400 and one for 1600 (both set the defaults in 2012) - now when I log into Wonga only the 1600 limit is…
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When does credit card balance come off credit file?
Hi, Im in the process of paying off my credit card balance, im going to be making a mortgage application soon how long will my credit report take to reflect the same? I dont want the mortgage company to use that balance when considering affordability. Just considering if i should perhaps leave it a few weeks before i make…
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Default procedure and what to do next...
Hi, any help at all on the subject would be great. Not to bore you with the fine details (unless you ask) I moved into a flat with someone who could not pay...anything, they left abruptly and I had to beg to be released from the lease. Most of the bills where in my name and due to my quick departure I incurred some costs I…
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Help with credit score pls
Hey members, My mate asked me to show him how to see his credit file as he is interested to see how good it is, So I showed him how to do it and he created an account with noodle. Once he got in he was shocked to have a score of 1 out of a possible 5! I looked through it for him and it should be pretty good. He has 1 loan…
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Mobile Phone Contracts and Credit File
Hi I have 2 mobile phone contracts which are due to end early in the new year, but am also in the process of trying to rebuild my credit file. I have had one of the accounts for over 4 years (no late payments) and the other one for 2 years (again, no late payments) If I close these accounts will it be detrimental to my…
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Credit check & current address
I want get a credit check so I can start paying my debts off , I am worried the checking agency will sell my current address to the compaines I owe money too and the balifts will be sniffing around . Just want to contact the creditors one by one and pay them off ! Any thoughts !!!! ;(
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Some credit agreements not showing and an arrears indicator with BT!
Could anyone help please. I have just obtained by Credit Report from Experian as requested by my mortgage lender (new mortgage application in process) and it shows that my address is my previous home even though I'm on the Electoral role. It also fails to show a loan that I currently have with Tesco and no mortgage details…
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Defaults
Hopefully someone will be able to help me here i defaulted on my hbos loan in the middle of 2010 and i have made the final payment to the debt collectors today. how long does it take for the default to come off my file will it be 6 years from now or 6 years from the initial default??? thanks
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Santander and my credit file
I am after some advice. I have just spent 6 months on the dole, and finally got a job 2 weeks ago. I borrowed money to pay off the arrears on the mortgage, and did this promptly. After checking my credit file I see that I am showing as a 1/5 on Noddle. NOT GREAT. When I look into it it seems that Santander have recorded my…
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Very worried about future credit rating after credit check declined in phone shop
Hi all, hope someone can help. I recently turned 18 and went to vodafone today to get a mobile phone contract. I have a UK bank account, but it is registered to an address where I am not on the electoral roll. The credit check declined, and I believe it was for that reason. As I say I have recently turned 18 and as such…
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Unauthorised Search On File?
Because of this happening to me last week / this week I opted to check my credit files with Equifax and Experian. On checking Equifax I see a search has been performed on my credit file on 06/09/2013 for Barclaycard HD Decisions LTD. It says 'Consumer Enquiry' on my current address and 'Additional Addresses' on my other…
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Just tried Noddle, noticed something worrying
After visiting my local Barclays branch today, I was quite pleased for them to tell me I was pre approved for a loan and a barclaycard, which did make me happy as I have been working hard over the last few years to try and repair my credit rating. I thought, Id pop on to Noddle, and have a look how my score was looking.…
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virgin, ntl, telewest
If you have had the above a few years ago, check your credit files as virgin have migrated and created one day accounts for 2008
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cleared all debts anything else to improve my rating
Hi i have finally cleared all my debts as of today :j im now trying to restore my credit file im on the electoral register at my current address i have a credit card that i spend 300-400 a month on then clear in full the following month. Any other tips or advice i could do i checked my file on noodle and i come up as 2 out…
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Money transfer vs Balance transfer
Hi all, I'm sure I've seen this posted somewhere before but for the life of me can't find it, so I apologize in advance! I've got a Barclaycard that's got a nice round 0 balance and i've had 2 offers through in the last couple of days, one for 6 months 0% money transfer at 1.9% fee, one for 12 months 0% balance transfer at…
