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CCJ I didn't even know about...
Hi all, I'm already a member on Mse but wanted to ask a private question so set a new account up. Today I found out I have been a victim of identify theft, letters turned up in my name for a new phone contract from Vodafone and insurance from phones 4u without my knowledge. I followed the correct procedure all reported…
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Life Insurance payments appear on credit file?
Hi Everyone :j I just have a quick question, I have been accepted for a mortgage for a new build flat :Tand have just arranged life insurance. However my problem is I arranged the cover just before I went on holiday, so missed all the correspondance letters etc and found out today that the 1st payment that was meant to go…
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Should this be on my credit file?
hi i recently (early october i think) signed up to a orange pay monthly SIM only contract which is one of their 30-day rolling contracts. for reasons related to this, i have had a look at my equifax credit report yesterday however, on the 'credit agreements' section there is no mention of this contract even existing. there…
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Help understanding experian credit expert report
Hi, I have two entried on my experian credit expert report that have status as defaulted but balance as satisfied. I think this was because they were both passed on to a debt collection agency who I have since paid the debts off to. Is the fact it still says its defaulted bad? Why does it also say satisfied and not…
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Update on Credit file
I'm just looking to find out if anyone knows when Experian updates its files, just I have a barclaycard which is showing £2200 which i paid off last month on the 5th! the experian account was updated on the 03/11 i thought it would have shown the new one by now.
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Any negatives of taking out an Overdraft?
Hi, im in the process of applying for a mortgage, just trying to build up my greens on my credit reports for now and apply for one in the next couple of months. Im just wondering, as yet i dont have any overdraft on my accounts and i was thinking would it benefit me in some way if i took one out? Im with Natwest and have…
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Financial Associate
Just a quick question. If I have a financial connection with someone on the CRA's and I get it removed, will it then remove it from the other persons record too or do they also need to do the same?
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AR on credit file?
Please can someone help, me and my partner have saved up a mortgage deposit yet now we have come to check credit ratings it seems there is an AR mark against an old stupid payday loan. This was 6 months ago and I called asking for an extension and they offered to pay over three months, which I did, on time, not realising…
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O2 Default - I'm an idiot to trust others
Hi, About this time last year I got my credit score back to a good level after being a bit financially reckless in university. However... About a year ago when I was still with my ex she begged and pleaded that I get a phone contract for her out in my name. You can guess what happened from that one sentence. We were living…
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PayPal
I have a problem with PayPal that I need some help with. Is this the right forum to post about it? If not can someone kindly tell me what forum is the right place PLEASE? - Thank you.
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Lloyds Recoveries
Hi, This is my first post on here but have read loads of helpful threads so thank you all in advance. I have had a long repayment plan with Lloyds Collections about an overdraft of £1500 (pure charges while I was travelling that I couldn't claim back). I had made all of my payments on time and my sister suggested getting…
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Does the level of default make any difference?
Long standing default on an old credit card, with payments of around £10 a month with interest frozen on a debt close to £3500 Whether I pay £10 a month or £200 a month, other than clearing the debt more quickly, will it benefit my credit rating if I pay it off more quickly? Should matters improve in the future so my…
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Default chasing
I have had a default of 4 1/2 years so not worried about waiting a year for it to come off. Now the company I owed money to me never found me and put a default on my account but now they have with a letter so do I have to pay it or can I ignore it?
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A newbie in crisis...
Ok before you laugh at just how anxious I am about £98.90... can I say this is a new discovery, and threatening a successful co-ownership application for my first home. The story goes... In September 2009 I decided to move to Belfast to live while going to university, it lasted all of 6 weeks before I moved back home. That…
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Default help please Lowell taking me to court.
Hello, I have an old debt that is statute barred (last payment made 08/07) and no correspondence from me in between. Lowell have taken me to court and I am due to see them there next week. I have written telling them it is SB but they are saying it did not default until some six months later so is still enforceable. I…
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Advice on couples affecting each other's credit rating please
So, just a quick question. I bank with Barclays and in the last year I took out a loan over a year to reduce my o/d from £1,850 to £150 and paid it each month without fail. When it got to around £300 I applied for a loan extension of £3,000 over 18 months to pay off a credit card (after being advised I was some sort of…
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Credit Rating and mortgage plans and clearance of defaults
Hi folks i'll give a little background to what my situation is. Me and my GF have been together for nearing 2.5 years now we're currently saving for a Mortgage, our plan is to get a cottage/Bungalow in about 18 months time out in the sticks nothing of grandeur, just a 2 bedroom and very modest we're limiting to a max of…
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Credit File Accounts (Snapshot Included)
Hiya folks, Some of you may of read my other topics regarding my credit file, wanting a mortgage, that kind of thing. It seems like such a battle at the moment and with a bleak credit file like mine, I'm wondering if too much damage is done? The Wonga and the MKDP are the ones that are being addressed at the moment, but I…
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Credit file when moving address??
......... Us
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Lowell default settled but not updated on original Santander default
Hi there and apologies if this has been answered elsewhere (if so, please point me to that answer!) Back in 2011 my OH discovered a default on his credit file from an old Abbey National account that he had not updated his address on and owed them £253. By looking through the credit report we found that this debt had been…
