-
Default Removal
Hello can anyone assist I have some defaults on my file that I which to contest and remove. I have written to each lender with a template I have found however the reply's have been fob off in nature saying a default notice would have gone out and we don't have to provide you with a copy. Does anyone have a further template…
-
Experian didn't cancel my membership
I telephoned to cancel my experian membership about 4 weeks ago. I went through the usual spiel of them trying to convince me to remain as a member, offering all different kinds of benefits, etc, but I politely told the girl on the end of the telephone that I had no wish to continue. She informed me she had cancelled my…
-
CCJ on old report, not on new one.
I got my first credit report last year to see how much I had left to pay on some debts, and at the bottom it said a Mrs(my name) had a ccj for £500. I'm Miss(my name) and I've never received any letters or anything about a ccj so I thought it was weird, but never did anything about it. Today I signed up to noddle and got a…
-
Credit Rating Improvement Question
Hi All, This may have been mentioned numerous times but i'm struggling to find information. Recently I decided to tidy up my credit file as my partner and I are looking to try to purchase our own house. Her credit record is spotless where as mine has a few blemishes. I have come across one thing in particular which is…
-
Ppi &default to credit rating. Help please!!!!
Dear All, I am new to the forum but in desperate need of some advice.I am now at a point where I am wanting to apply for a mortgage I was advised tocheck my credit scoring on Experian, when I logged on I noticed a default markbringing my credit report down to the poor section. This is a nightmare as I wasconvinced it was…
-
How to improve my non-existent credit rating
I am unsure how to improve my credit rating. I have never had a credit card or loan, and to top it off, I have been on the electoral roll for only 3 months due to living abroad (I am British born and citizen). I have a current account with Natwest and a direct debit set up and now live at home so have no utilities in my…
-
Help - Credit Advice / Rating
Hello, Hoping for some advice on what is best for my credit rating. A couple of years ago I had an enormous debt level of about 27,000. Luckily I was able to pay off approximately 20K of it. Currently I have 5 credit cards which are all up to their limits. I have held all of these cards for more than 3 years. These range…
-
Missed payments on Credit File
This is my first post on moneysavingexpert.com I have 7 missed payments on 3 different accounts in 2011, Two of them being 3 months Late. It was just because of my own stupidity and laziness, they late payments were such as £12 pound which went upto 52 and the other account was of a smiler sort (less than 100). and one…
-
CCJ paid within one month - any further action required?
Hi all, I'm really hoping someone on here can help coz I've been trying to research online and not getting a complete answer and I'm just getting more and more stressed by the whole situation. Basically, due to my own stupidity, I missed a water bill that should of been paid and they took the case to court, I didn't submit…
-
Can something that i am still paying from 8years ago re-appear on my credit report?
I am still paying a debt off from about 8years ago thats no longer mentioned on my credit report, there isnt much left to pay but they annoyed me so i just pay them £5 a month, i was wondering if i stopped paying for any reason could it re-appear on my credit report? I certainly don't intend to stop paying it as ive worked…
-
Even after settled defaults have gone still can't get credit
My partner and I both had settled defaults on our credit report from when my partner was made redundant and I was pregnant with my second child. So both not working alot of our debts defaulted. For the past few years we have both been in good secure jobs and have kept all of our credit obligations up to date without any…
-
Nationwide have refused my mortgage
I currently have a mortgage with Nationwide but are moving and downsizing, I therefore intend halving my mortgage - I have never defaulted on a payment on anything in my life yet today I have been informed Head Office have declined my mortgage. I have telephoned to find out why yet because Head Office made the decision…
-
CCJ and Depression
Hi I've posted on here before but never really been honest and upfront about the impact my CCJ has had on my life. I had a CCJ issued against me in 2010 by Severn Trent Water for £133. The impact this has had on my husband and myself has been immense. We are unable to buy our first home together, we have lived in 3…
-
Bad Credit
Wondering if any one can help, a few years ago I was really bad with money, borrowing and not paying back ETC I was put on the 6 years no credit list. I've completely learnt my lesson and I'm a different person now, I have cleared everything I owed and my partner & I want to move to bigger house to accommodate our growing…
-
Card negotiation and credit file implications
Hi everyone This is my first post, so apologies if this query has been covered previously. I am drowning in unsustainable credit card debt, and the only avenue I want to explore at the moment is to contact a couple of the card companies and say I can't afford to pay them, and can they agree a low interest rate/repayment.…
-
Trying to clear default with Lloyds
Hello Everyone, I hope that someone may be able to shed some light on my situation! I have a default account on my credit report with Lloyds. It is completely my own stupid fault for running away from the debt when I was about 16/17. I had an overdraft and then just decided to open anew current account, go to uni and try…
-
Letting Agent - "Whats your problem"
I don’tunderstand this, is there anywhere I can go who can set the record straight After explainingto the letting agent I've not even beat around the bush, I have been told I’m not effected as I thought? Now thememorandium period of the DRO has ended? Surely this doesn’t just whitewash allmy file, I was always under the…
-
Payday loan & mortgage application
I need some advice and not sure who to ask. I havetaken out numerous pay day loans over the past year with 4 different companiesresulting in having to enter into a repayment plan with wonga. I have 15settled accounts showing up on my credit report and 4 which I am about to payoff this month so at the end of this month I…
-
Payday loan on credit file
A few years ago I was very poor this particular month and needed to get some money so I researched pay day loans. I eventually applied for a loan with quick quid and was rejected there and then on the website. I never heard anything from them after that until I applied for my credit file. I saw on there that there was a…
-
How do defaults drop off?
Hi I have read that defaults drop off after 6 years so I thought it was registered once but I just checked my noodle file (free) :D and it shows a default each month how will it ever drop off? Confused :o
