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Experian 'Insufficeint Data' Rating
Hi there, I did the Experian Credit Rating free trial last year, no problems. I am applying for a mortage in the next couple of months so thought id better check in to see how im doing. However ive reactivated my account and my credit rating is now 0 and on the colour dial there is a question mark and all it says is…
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Buying a house?
Just curious. Suppose you bought a house for cash. Would anyone search your Credit File? Would the house purchase appear on your Credit File? If yes, would it be a good or bad thing, from the POV of your Credit Rating?
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Lowells scum recorded 2 defaults
saw a change in my Experian report today, it dropped from good to poor, because the Lowells bags reported 2 defaults for the same debt..One in the name of the original creditor, marked satisfied and a new entry under their name, marked unsettled Correct me if I am wrong but I thought it was only 1 entry per debt
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Defaults on Credit File-Satisfied
Can you get these removed? Ive satisfied all of my debts but ive still got Defaults Thanks
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Great, so my address does not exist..now what?
So basically I am getting rejected for everything under the sun, because my flat is always displayed as "Flats 1-10, Example St" instead of "Flat 4, Example St" I can't even use my credit card for verify my identity, because it is registered to "Flat 4"..I guess my bank just takes my word when it comes to addresses Now…
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Credit application fraud
I'm 18 years old and when I was just the age of 15 I had become victim of fraud, I first found out she I received a letter from little woods telling me that my application had been approved and they'd given me a £750 limit, To date I have received around 53 letters from lenders regarding credit applications that id…
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Deleted agreement??
I had a notification from Experian saying there had been a change to my file. When I logged in it said 'the following agreement has been deleted' and detailed my preference credit card with BOS. This account has been in default since 2011 and I haven't done anything new to clear it (I'm in a DMP) why would they delete it?…
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Debt gone from Credit file can it be seen in morgage application?
Hi I Have a credit card bill that was wrapped into a debt management plan in 2006 it was £6,000 then and now it is £3,774. I have paid it off every month under the agreed terms and never missed a payment. It has now gone from all my credit files as it is over 7 years old. I have no other debts and will be applying for a…
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Paying CC but still getting defaults?
Checked my credit report through Noddle yeterday and it showed a monthly default with Halifax CC.I know i`m in debt with them but pay monthly through Robinson Way and have never missed a payment,should it still be showing as defaulting?
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Credit score
Hi all, I was wondering if anyone could possibly shed some light on why my Experian credit score is 751 and my Equifax is only 75, yes that's right 75!!! ? I have been using Experian for the past year to keep an eye on things and build up my credit score but recently also looked at Equifax. I have 3 late payments from an…
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Credit Ratings and updating billing address
I am looking to give myself the healthiest credit score possible, so that I can look into getting a mortgage in the next couple of years. I am currently in rented accommodation (since June 2012), but I have never changed my bank billing address since moving from my parents address 200 miles away. I am wondering whether…
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Good Credit file - Poor acceptance rates
After trolling these forums for many years there has now come a time where I really need some help. I have recently applied for a loan which was accepted but unfortunately not for 'the advertised rate', in fact it was 18% instead of 6.7%. Can anybody explain why I got accepted at such a poor rate and why whenever I use the…
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Financial Associations
I'm not clear on exactly what creates a financial association between two people. I understand that if I get a joint account or apply for a loan with my OH, we'll be linked, but are there any other circumstances in which this would happen? What about if we applied to rent a house together? Thanks in advance :)
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'Arrangement to Pay', credit ratings and mortgage application
I'm reposting this from the mortgage board in hope of some responses! :o Other half and I are planning on buying our first property in 2015, when we will have a 20% deposit. Looking at houses around the 150-160k price mark with combined salaries of approx. 45k. Other half has a clean credit history, no debt except a…
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Mortgages, Defaults and the CRA's scores?
Hi there, I read on here that people say people like experians and equifax credit scores do not really mean anything. I messed up a few years back and have several defaults on my credit file. I check all 3 regularly and have massively turned around my credit handling. I have a few clean accounts now but the defaults…
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Satisfied CCJ still killing my credit rating
Hello. I was very pleased recently that some CCJs disappeared off my record. I expected my rating to shoot up. However my Equifax credit rating shows me as having gone down from 76 two weeks ago to 12. Yes 12. The red warning is over a CCJ that was satisfied a few months back according to Equifax. It is marked clearly as…
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Credit score and remove default
Hi there, I am just about to pay off a final debt with Lloyds, and this has a default on it. Is there anyway once I settle I can ask them to remove the default? Also, is there a way to improve my credit score (was good, then went to poor in 2 months?). I was thinking to get a credit card and keep paying it off as I heard…
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Finished DMP, time to clean up Credit File?
Hi All :p A little ramble (arn't we all guilty of one from time to time!) but I'd appreciate your help/opinions. As a bit of background in July this year I settled (via full and final) the last of 4 debts that I had been repaying with help from StepChange and a DebtManagementPlan. The plan started Nov '09 and all payments…
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Debts have vanished from credit report??? Can someone help me understand why?
Hi all, I have just got a copy of my husbands credit report, which I do every 6 months, as I am sorting out his debts! Anyway, a couple of the debts that I am paying off have disappeared off of this most recent one? Why would this happen? Does that mean I can stop paying them off?? Any help greatly appreciated. Many Thanks…
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Incorrect Default on a Settled Debt - How Does This Affect my Credit Rating?
Hi, In about 2008 the Halifax incorrectly 'deleted' my student bank account and reopened my account as a current account that required a minimum payment, a monthly charge and no overdraft facility without telling me. I then of course started being charged for being in my overdraft and not making the correct payments. I…
