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default satisfied, will it affect me trying to get a mortgage
hi, could any1 help me i got a orange contract fone out over 4 years ago i could not get a signal in work or even my home i was constantly contacting them to cancel my contract with no luck i did not want to pay for a contract that did not work in my own home. after a couple months i was still nowhere with orange they…
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Can a removed Default still damage your score?
Hi All. I have recently been checking my credit file with Experian which was showing 'Good' and a high score of >900. After having some issues with a mortgage application, i spoke to Experian who told me i was missing a previous address which had a Default attached to me. I have now had Default for £19 from Vodafone…
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Nearly a clean slate, but...
I have posted on this before, but just wondered if anyone had anymore thoughts. The last default on my CRA files disappears next week. All is a sea of green being settled's or ongoing. That on it's own, with an active mortgage that I've had for 6 years, Vodafone contract, Next account, bank account etc should make things…
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Credit file ready for mortgage
Hi, I am looking to take out a mortgage within the next 3-6 months and i have a quick question about my credit file. I'm trying to make sure its a good as it can be! I have two debit accounts (one with first direct and one with Nationwide), savings with both and a credit card with nationwide. The account i mainly use is…
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Lowell and identity fraud
On behalf of a friend of my daughter's I am trying to help her sort out the mess in which she finds herself. Her sister who already had a bad credit history took out a catalogue account with Littlewoods in her name and immediately defaulted on payment. Most of the correspondence was intercepted but she did write to the…
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Credit Card and Credit Score?
Hi, I have a credit card that has a £8880 limit, so would that amount affect my credit score? I always pay on time and current balance is around £60, so £8820 available. No late payments etc. I am just wondering if my credit report will see this amount as an available loan of £8880 and reduce my credit score? Thanks.
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Defaulted debt
Many years ago I took out a phone contract for a neighbours son, in 2007 I asked him to change it into his name, I assumed he had! In february this year I received a demand from a solictor for £521 for a phone bill, I assumed this was fraud reported it to the police and the solicitors. On Monday I went to the bank for a…
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Old Default Not Settled
Hi - Newbie here needing advice! I've recently set up Experian to get my credit on track as hoping to apply for a mortgage in the next year. Basically I have a Fair 854 score and the negatives include some defaults on my account - three in total. Two of these are settled and will be six years old in January 2014 - so…
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Is this good?
I've totalled up my balances vs my limits on my credit accounts. Balances Barclaycard £1,100 of £3,200 Lloyds £180 of £1,500 Vanquis £970 of £2,000 Very £900 of £1,700 Total £3,150 debt Total £8,400 Credit 37.5% if closed accounts count The Barclaycard and Lloyds cards above aren't operational because I got into…
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Would I know if I had a CCJ?
Hi everyone, I managed to get in a mess with my council tax in 2012 and ended up with some letters asking for the money which had eventually gone to the debt collectors team. For some reason I thought it was a CCJ as it did mention county court *i think* but that may have been a case of if you don't pay ... I wasn't asked…
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Default on credit rating
Hi. I am looking for some advice regarding my credit rating. To cut a long story short - I was having difficulty getting accepted for credit and I have always had a great credit rating. I looked into my credit report and noticed there was 1 default. I contacted the lender and the lender has agreed to remove the default…
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Is there an orange rep on here? Xx
If so id love you to pm me please!! X
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Welcome and full and final settlement
Hi I'm new here I'm trying to increase my credit so I can get a mortgage, like endless amounts of people in my situation. When I was younger I took out a loan with welcome finance and have defaulted I took out a 2000 loan which has now increased to the sum of £4855. I offered them a full and final settlement of £2000 which…
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Lloyds Bank CPD/Credit Score
Hi heard that Lloyds TSB blacklist people for credit by marking their accounts as CPD (Credit Policy Decline) and once you are on the list you are scr*wed. Is this true? How do I find out if I am on the list? Also is it possible to find out you Lloyds Bank Internal Credit Rating? Thanks for you help in advance. Mark
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Is this still affecting my rating????
Hi Hoping someone might be able to help me or at least answer a question, In 2009 I got into a bit of trouble financially...anyway to cut a long story short, I have worked hard for years now to get myself back on track and have recently checked my credit file. My question is I have 2 defaults on my account going back to…
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Past credit defaults with mortgage applications
Hi I am a first time buyer with my partner and we feel we have everything ready to purchase our first property. I have a current reasonable credit score of 904 however I have three default accounts from about 3-5 years ago all under £200 that were satisfied immediately. although I have had no debt in some time I understand…
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credit score affecting job prospects
:eek:New to site and computer novice so not sure this is the way to post a new thread I hope so, so here goes for the second time my friends 30yr old daughter has the chance of a permanent job at a bank the only thing obstructing this is her credit reference which is poor to say the least she had six outstanding loans some…
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Companies House info - affect personal credit rating?
A friend and I had intended to set up a small company earlier this year however (long story short) after registering with companies house things never got going. The company will be stricken from the register if we do not file our returns within the next few weeks. My question s can this negatively impact my personal…
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Can you get a CCJ for the same debt twice?
Hello Helpful Ones :D I am once again relying upon the knowledge of those in the know to assist me. Basically, I have just learned that I have a CCJ against me for a debt from many years ago, it is due to drop off my credit file in Feb 2014. It was issued by the courts for a debt with NRAM. They have now been sold and the…
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How long for electorall roll to update?
I am in the process of applying for a mortgage and at the moment my credit score is not high enough and my mortgage broker thinks this is because I am not on the electoral roll. I moved from living with my partner to private rented accomodation with effect from 1st August but it completely slipped my mind to update the…
