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credit adivce needed
Hi all, I have a few questions about my credit history and future. A quick background on me. I have a long term job and am paid around 27000 a year, I have had payday loans, personal loans and credit cards, all these were not at very good rates, I have also lived in a large overdraft for a few years. I havent got any…
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Poor credit rating
I have recently finished an IVA (Oct 2013) I was considering trying to get a credit card to boost my credit score. Any advice?
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Electoral Roll, Shall I update?
Hi Everyone, Planning towards getting a mortgage in the coming months. Since moving out of my parents several years ago I never updated my address with the bank etc as I moved around a fair bit, so im on the electoral roll as my parents address an that reflects on my current credit report. Ive been with my wife at our…
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Warning to NRAM/Marlin account holders
Basically, do not trust them to be recording information correctly if you have an expired default/CCJ but are still paying off your debt, keep checking your file. I had a default in May 2007 and a CCJ in June 2007 (fast movers)! Even after the default had expired, NRAM kept adding new late payment markers and defaults on…
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I have a low credit score.....like under 500 low
.....I figured I was at least in the top 60% because I've always been careful with money and always been the right side of 0 and never had a bounced or late payment...... I'm a 19 year old student, I have a few direct debits set up (bills, laptop insurance) none of which have ever bounced or anything like that, but I've…
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Noddle Report Welcome Finance Entry vanished
Just logged onto Noddle at the Welcome finance Loan entry has vanished. Its been ' 6 payments late' for over 4 years and I've been paying £1 a month. Now its not there (was there last week) its also not on equifax but I think it never was on that one. What do I do?Keep paying? Obviously I will keep paying but its rather…
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Children of 8 classed Racist if they don't go on trip.
Sorry wrong thread. Please delete. Had a couple of beers last night.
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A question about defaults
Hi, I was wondering if you guys can help. I have 2 defaults that will be 6 years old next year. I am making payments to clear the debt which Is now with a debt collection agency. If I am still paying it off and it is not settled would it still drop off my file?
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Can't access credit report -Identity issue?
My partner has tried to obtain his credit report from 3 different agencies. (equifax, noddle and check my file). With every one he hasn't been able to access his credit report, due to them not being able to verify his identity. Does anyone know why this could be the case? I have a theory but i'm not sure if it's correct.…
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Transfer of title declined??????
Hello all need a little help, I broke up with my ex about 4 years ago. We had a mortgage together, she stayed in the house and has since had a baby and I have got married. Her and her new partner were going to transfer the title into their names and I was happy to support this. She is now single and falling behind with all…
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To much available credit?
Hi all, I am wondering if I should cancel my credit card. I don't use if much and when I do I pay it off in full each month however it has an £8k limit. I wonder if this looks like I have to much available credit. I also have a loan with £2k outstanding. An available overdraft of £2k although account is in credit plus a…
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General help re: Noddle report
Hi all. I wonder whether anyone can help with some questions I have re: my recent Noddle search please? I recently wrote to Orange/EE to cancel my mobile contract (moved to a rural property so was only means of cancellation available) and duly cancelled the DD. Whilst visiting my mum's last week, there was a letter…
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Is this enough to remove defaults - Virgin Media
Hi, The toerags at Virgin Media pretty much ruined my credit rating due to claiming I owe them money for a service they failed to provide me. They have recorded a Default and 10 late payments on my credit file. The charge was for an early disconnection fee, and I have email confirmation that I would not be charged for this…
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Credit File Help
Just needing advice about my credit file. I have noticed the following search there is a previous search for "Barclaycard - Hd Decisions Ltd" what is this for? and why do I have an RBS Group search - I bank with them yes but I have never requested credit from them other than my overdraft but that was done well before the…
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Halifax default
Hello again! After checking my credit report on Equifax, Experian and Noodle-Call credit. On Noodle and Equifax I have a recent default from Halifax. I currently bank with them (now on a cash card) but did have a current account with them. One incorrect DD ended up snowballing into a mountain of charges, Halifax were most…
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Default Arrow??
Hi guys! I have decided to look and see how my credit report is looking as I have been great and "in check" for a good few years now and even been accepted for 2 credit cards. I logged in to Equifax, Experian and Noodle-Call credit. Call Credit concerned me. I have a recent default from Arrow. No idea who they are!!! Never…
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Statued barred and ccjs
Hi, Apologies if there is another thread like this one... My partner has a debt that came up to the 6 year point 6 days ago and another one that will be 6 years old the 15th January next year. He has received a letter for both with a issue date for a ccj and he needs to send defence in 28 days. That will be Xmas period. I…
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Zero credit accounts listed on Experian
Hi - does anyone understand why I would have no credit accounts listed on Experian? In reality I have a Barclaycard which I pay off every month, a £5000 limit Nationwide Visa which I pay off in full most months, and a Nationwide 1-year loan that I will finish paying back in January. All of my addresses are listed correctly.
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Credit Report Problems / Linked Address + More
Hello Everyone, new to the forums so go easy :) I went to Experian to check my credit report which to my disbelief had numerous inaccuracies. I would imagine this will cause future problem so I need to get it addressed before it gets out of hand. This is where I need some help please! My present address is causing the main…
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Payday loans
Hello I have some adverse information (bankruptcy) on my credit report from March 2008 which has prevented me accessing mainstream credit deals. However, this has not bothered me as the information is due to fall off my file next March. However, recently due to emergencies I had to take out two payday loans. I repaid both…
