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dodgy credit history
I'm sure you know the sTory I had a really good credit history until I used it when I was with my ex to get some things on payment plan. We split up, he agreed to pay a. Per separation agreement. He missed several payments, defaulted on mortgage etc and now my credit rating is so bad I can' even get a bank account with…
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BT reporting at old address
Just got my £2 stat report from equifax and noticed that BT are reporting correctly (all payments up to date) but at my old address which I moved from 8 months ago. I have emailed BT to rectify this as obviously it's wrong - They have my new address as they still supply me here. Is there anything else I need to do? Clearly…
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Steps to build starting credit history (young person)?
My stepdaughter's 19 and has a steady job (takes home about £500/week give or take). She'd like to start building a credit history for when she wants a mortgage later. Her Dad has a phone contract for her - would getting a phone contract in her own right be a good first step? She doesn't especially want a creditcard to use…
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Financial Association
Hi Please can you tell me how long a financial association stays on your credit report, am I right in saying that it can only stay on your credit report for 6 years. Is this the date that it was originally registered. I have a joint association with my Wife for Barclays Bank registered in April 2007, but our joint account…
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Statutory credit report
Hi All, I want to get a statutory credit report, one of the £2 ones. I was wondering where the best place to get one is? I tried experian before moving out and it took 6 weeks to come (despite saying it would only take 2 weeks) has any one had better luck else where or is this my only option?
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Default by O2 on my file - £9
Hi, I have been trying to resolve this issue for a while now so I will give you some more information. I was with O2 for around 5 years and dealt with them all the time, upon wanting to get a new phone and contract, I asked them whether they were able to match a deal I could get elsewhere and they said no. So I paid up,…
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Statute barred help please
Hi ive got a GE CAPITAL debt that was defaulted on 8/2/2007 and my last payment on the account was 30/11/2007 Could someone please help me with the following. 1) ON 30/7/2013 will this debt then become statue barred 2) What advice would you give me at the moment intime to do with the debt 3) The debt is with Aktiv Capital
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Applying for mortgage with credit score of 859
I have an Experian credit score of 859 (fair) and my wife a credit score of 920 (good). Mine recently dropped from around 920 when I got finance on a car in August. The reason being "You have recently opened 1 or more new credit accounts." Our percentage of available credit used is 0%-5% most of the time. I know there's no…
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Being chased for non-existent debt
I'm hoping for some advice. I am being chased by a debt collection agency (EOS Solutions) for a debt that I have genuinely have no knowledge of. They claim I owe nearly £400 in respect of a credit account with Grattan (I assume this is the catalogue company) - I haven't ever had a Grattan account. I did have another…
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Do Vodafone do a credit search if you add a second phone to your account?
Hi all, maybe not the right forum, but it was a bit of a toss up on where to put this. Does anybody know if Vodafone do a credit search if you add a second phone to an existing account? We're in the middle of getting a mortgage, but my wife's phone contract is nearly at an end and we were considering avoiding a credit…
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Default date change
I wonder if anyone can help me. I recently tried to improve my credit rating and looked at my report on the reference agencies. It turned out that a company called Mkdp Llp changed the default date on an old debt to 2009 instead of 2005 and were chasing me! After reading this forum I managed to send them some letters and…
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Missed DD wont effect credit rating?
HI, I had RAC home insurance on a pay monthly DD. I made all payments and on renewal I emailed them to tell them I wont be renewing and to cancel my account after it ended. I then cancelled my DD after they had taken a final payment. I made all payments required and took home insurance elsewhere. However I then got a…
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Help on credit reports and checks
Hi, im a newbie here... Could someone please give me advice on credit checks? I was looking to obtain my credit check online through noodle, but suddenly got a sick feeling in the pit of my stomach....is the information that i would give private, or could DCA obtain this information? Any advice would be greatful xx
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Understanding Experian terminology
I set up a business last year, and was recently rejected for a merchant account to accept online payments. My wife and I are joint owners of the company (50/50). We had some money troubles about eight years ago, paid a debt management company (I know, I know!) for six years, and then when they had failed to reduce our debt…
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"minimum payment markers"
I read on another thread that making minimum payments can be detrimental to your credit rating. I've tried to google the answer but the only thing that seems to come up is other threads from this forum. Does anyone have definitive proof that this is true?
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Voluntary Termination, any issues?
Hello All My cars PCP / HP agreement ends in January and I can either hand it back or pay off the outstanding baloon and keep it. I could sell it and pocket anything over the outstanding finance and may will attempt this but, for the purposes of my situation assume it would be a hand it back situation. I'm on the verge of…
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Credit default - £25 since 2007
I have just got my Noddle report, and it shows a default to O2 with a balance of £25, with a default date of 5th November 2007. It's registered at my previous address (I moved here in August 2007). I take it's best just to wait and this will drop off in 2 months time?
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What's the next step I need to take to improve my credit rating
Hi I've got the following: 1 current account 2 30 day mobile phone contracts (1 is mobile broadband) 1 Vanquis credit card 1 Credit builder loan Not sure what to do next, I tried to sign up to a catalogue a few months ago (jd Williams) and was turned down after initially being accepted. Just wanted to know whether I should…
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O2 Late Payment
Hi I have a 2 late payment on my o2 account, however the bill was only produced on the 8th may and I paid o2 on the 10th June, Is this a mistake by o2? Regards
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Noddle Credit report does not show mortgage
I am registered with Noddle to access my credit report. In June we remortgaged and my old mortgage account is showing on my credit report as a settled account but there is no reference whatsoever to the new mortgage. Should I be concerned about this and if so how do I get it rectified? Thanks
