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visibility when swarching credit files.
Hi. Thanks in advance to anyone who replies to my question. Like many people using the forum, in a past life I made mistakes with my money and past credit. with the support and advice I have received from here I am now in a much stronger position. I have agreements with creditors and am up to date with all my debts. At one…
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Credit defaults
Hi We have 2 credit defaults. Both are mobiles, one for £27 other for £60(this should only be about 25). Is it worth our while paying them off, and will we be able to fix our credit score if we do thanks
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Bills on credit file?
do utiliti bills like electric/ Gas/ Council Tax show up on your credit file if you miss a payment or 2? I paid late a few times. But I didnt see them on my noddle account. So I am hoping for a definitive answer. thanks.
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Mem Consumer Finance
I have a joint account with someone who applied for what i think is a payday loan. Can anyone tell me how this will effect me. I'm devastated as he insists that he researched it and it's supposed to improve your credit record which i know is BS. I have a fixed rate mortgage with Natwest that comes to an end in 2016 and may…
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Help newbie
Hey, I am 19 and new to the dangerous world of credit :mad: I’ve been interested in improving my credit and so purchased credit Experian, I then found I had a default on my account, it said men finical and pay day loan, after doing some investigating I found out it was payday.co.uk I did have a loan with them at one stage…
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Credit Reference Agencies vs Statutory Report
Hello, So I am confused, What is the difference between the likes of Experian and Equifax vs Noodle vs your statutory credit report? I have used all bar the statutory credit report but I don't actually understand the differences? Say I go to bank A for finance and I know Bank A uses Experian. Will they get my statutory…
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Default/Partially Settled/Settled???
Ok so I have a default on an old account and I have just rang up to discuss. They have offered me a settlement figure which will then appear on my credit file as 'partially settled' I am aware that regardless the default will remain on my credit file for 6 years but..... How does 'partially settled' affect my credit…
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Default affecting credit rating?
Hi all, I'll start with a brief background of my situation... 1. Went to law school, borrowed £25,000 from Natwest for the pleasure 2. Finished law school, didn't want to be a lawyer any more 3. Natwest gave me an interest break while I retrained as a teacher 4. Natwest then wanted £508 per month repayments for 10 years 5.…
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How can Hubby be turned down for American Express
My husband has just applied and been turned down for an American express card due to his credit score. How can this be ?? We are in our sixties and still working. We have lived in the same house for thirty years. We own two houses outright,have money in the bank, and although we have always had finance for our car have…
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Possible ID Theft - Betfred - Petfre
Last year out of the blue I was sent a large bill - £190 recurring monthly for a mobile phone from Three. My personal details had been used probably at a phone shop by a fraudster. Three did take the unpaid debt off my credit file. The Police were not interested and said I had no financial loss - so although it was a…
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Bad Credit Score - Advice please :(!
I'm a 20 year old worker with a bad credit score - sad sight. I believe it's due to a debt I owe to a company that now no longer exists and that company is the ever so evil Double Take Studios. Almost a year back I found out that they went into admission and since I've moved house, got a new mobile and land line number…
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Advice needed for old debt and default
Hi there. About 12 years ago I got myself into debt. However I spent 10 years paying it all back through a debt management company. Whilst not for everyone it worked for me and I settled everything in full. Around 6 months before I settled DMA informed me that one of my debts with the co-op had been closed as the co-op…
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Experian not showing paid off mortgage
Hello everyone, First time poster here with an unusual problem, but first some background if you will bear with me. After living in Australia the last five years I have returned to the UK to resume work here 6 months ago. Before I left the UK I had a mortgage with The One Account, (RBS) and a RBS credit card, both in…
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Best Credit File
Hello im looking at getting my credit report as im going on a DRO soon. Does anyone have an idea which is the best/most accurate company to go with ?
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Payment Programme v Credit Rating
Can anyone offer my any advice.... Does being put on a payment programme affect your credit rating? Someone stole my phone.. before I knew it they had run up at 1K phone bill - I am going to struggle paying whole bill. I am really concerned that my very good credit rating is going to be affected by this... If it does…
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I need some helping clearing some of these negative factors please >>
The usage of your available credit indicates a higher risk = 61% Just wondering what is a good %? I can bring this down by transferring funds from my savings acct. You have recently opened 1 or more new credit accounts = New First Direct current account with OD, only 3mths old - how long until this isn't a neg? The value…
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Things I can do to make my self look better to lenders
Hi everybody, I have got a credit card which I have had for 4 - 5 months now. I have got two phone contracts. One for me and one for my girlfriend. I am wondering what else can I do to make my self look attractive to lenders. I want to get a few things on Finance like an Argos card or maybe a laptop from PC world or…
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CCJ to incorrect address...
Hi all, I'm hoping somebody can help... I've recently acquired a copy of my credit file and discovered that in June 2012 there was a CCJ issued against me for a debt of £500. This CCJ was issued at my old address, which I left in December 2011. The debt is with T-Mobile and upon moving to my new address, I sent them a…
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Old CCJs
Hi On my Equifax and Noddle credit reports I have adverse information still showing . These are beyond the 6 years and should have dropped of by now . They were settled btw . Any ideas as to why they are still showing ? Maybe I should contact these CRAs ? Thanks
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experian carring out criminal record checks
for my new job I have to have a criminal record check , for some reason this is now done by Experian . I have had to provide a drivinglicence and birth certificate . what can Experian do with this information can they update my credit report with it after they have done the crb , I had loads of trouble about five years ago…
