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how does my vanquis credit card work
Hi Ive just got a vanquis credit card im not sure how they work im wonting to build my credit it says monthly purchase interest rate os 2.839% does this mean when i use the card i get that added on Thanks for ur time
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late payments
Hi Guys I know that late payments stay on your credit file for 6 years etc but what impact do they have after say a couple of years? I have a few late payment markers on my file. Only '1''s. Providing that I don't accrue any more late payments, what impact will these have on my credit in 2 years time? Thanks WW
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Default added two years later.
Hi all, This is more for clarification purposes really as I was wondering if the situation I've found myself in is fair or if the DCA are in the wrong. Basically, a default has recently been added to my file (September 13) for an account that originally defaulted back in 2011. This has only just happened after contacting…
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Will my credit score improve from 221?
Hi there I have a credit score of 221 (very poor!), and have been told the reasons why. Firstly is a CCJ and second is a '6 Payments Late' default of £154 on a current account overdraft. I have been told my CCJ will disappear on November 23rd as its been 6 years, and I have just paid off the £154, and the current account…
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Debt that has never been acknowledged - need advice
I have had this debt since 2007. I owe over £2000 to different lenders. I have been in financial trouble for various reasons ever since 2007. The debt is in my name but was took out for my now ex boyfriend. I was young and naive and highly regret it now that I am a bit older. I know how stupid I've been. Anyway, they don't…
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CIFAS / National Hunter SAR
Hi all, would really appreciate some help. I am looking for advice on how to write a SAR to national hunter and CIFAS to ensure I see all the information they have about me. I've read that for NH it can be like pulling teeth and you need to specify exactly what you want (all details from past applications, addresses, etc)…
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Fraud & Default spotted on credit report
Hi Sorry if this has been answered before but I am new to the site. I applied for a mortgage and was refused last week. Turns out someone at an address we left 5 years ago has taken out credit in my name, defaulted on the account and left me with a default on my credit rating. The police are unable to help as I haven't…
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Credit Rating 975
I need a Loan for Home Renovations and have just checked my credit rating and it is coming in at 975 Excellent. I am looking for a loan of about £15,000 over 60 months. What are my chances of being accepted? My current financial circumstances are as follows Annual Income : £24,000 Mortgage : £495 per month Household…
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Why is the CRA scoring system so rubbish?
I have no idea how these idiots think...How can there be no difference between a settled default and an unsettled one? Surely a settled default should give you a few extra points and reduce risk..but no, it makes no difference so it makes more sense just to wait 6 years without paying (if the debt is small enough that…
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Incorrect addresses on Experian credit report
So I finally managed to get my statutory report from Experian. I was recently declined a mortgage at the credit check stage - everything looks perfect in terms of no missed payments, etc. However, it has a number of incorrect addresses on it. First, the 'linked addresses' area has a number of incorrect addresses (totally…
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Some help/advice please...
Hi, As you can see i'm a new poster, but have used this site several times given the valuable information you all provide. Essentially, I've checked my credit report and it says it's, poor, which to be honest I was expecting. However, there are 2 defaults on there which i'm not sure of. Both are HSBC, one is a current…
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CCJ filed after IVA filed- Is this valid???
HI All, I am trying to find out some information with regards to an IVA that I have settled early:T. I recently have been checking my credit file and I have seen that along with the IVA taken out back in July 2007 an additional CCJ has been entered for just over £10k by Natwest in Oct 2007 and they are already included in…
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Welcome finance car loan
A car loan was taken out for 10,000 total credit, And the loan has now 2,200 left to pay on it. Would welcom be able to take the car back even though its not on HP? Its just a straight loan for the vechile? They are saying that they can I have dispusted the fact
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DMP repaid early and defaults
Hi I am new here and wondering if anyone can help. In 2010 I entered in to a debt management plan through CCCS with six creditors. All but one of the creditors froze all interest and charges on the accounts and I repaid the set amount to them every month. After approximately 9 months in the DMP, I discovered that the one…
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Personal Loan 7 day cooling off
Hi, Just wondering where I would stand on the basis of a personal loan where the first payment was made before 7 days had passed from recieving the loan. This is a provident loan. The person who has it had to make a payment immediately upon getting the loan. What is the standing on this?
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Credit agreements - active v settled
Hello I have recently had a Equifax credit report and would really appreciate some advice :) I have been scored 'good on credit agreements' and it states 'You have 6 active accounts and 1 settled accounts on file at your address. Credit grantors prefer that you have at least one or two accounts as part of your credit…
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79% used credit
Checked my report again today and my % used credit is still 79%. How bad would this look to lenders?
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Experian monthly subscription - is it worth it?
I am currently paying £14.99 a month, I am unsure what value I am getting for this apart from watching my credit score from time to time and getting spurious alerts and that some company is watching my account etc? They also say they can match my credit history to available credit cards and loans... sure they do, they get…
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Simply Be
Right I attempted to open a Simply Be account last week. It went through, I placed an order for £123 and was initially given £125 credit limit. I was quite pleased since the JD Williams Brand is something I buy a lot of. Now this new order was processed with 10% discount, and I waited. When I checked online after 4 days to…
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life after IVA
Hi In 2006 I entered into an IVA which was settled in April 2010 (1 year early). Now 3 years on I have finally had the courage to apply for credit only to be turned down flat! (My wife wanted a new sofa!). After my IVA finished I felt very much in the dark regarding help on building up my credit report and what would…
