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Credit rating must be absolutely ruined.
I used to have a full time job and didnt think twice about taking things out on credit because I could afford them. I had two credit cards with terrible interest rates of 34.9%. Last year I got ill and had to leave my job which left me with no income. I became a student and so only have a student loan, most of which goes…
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Very small amount of debt but need advice.
Just had a look at my credit report. I haven't been able to obtain any form of credit for as long as I can remember, nor have I tried to, as I know its pointless as I will be declined, end of. But I thought I should take a look and start the ball rolling on sorting it all out to allow me to obtain a Credit Card or loan…
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can anyone explain this email from o2?
"Thank you for your email about your recent application for a contract with O2. As well as our credit scoring system, we use business policies to assess all new applications. You didn’t meet our criteria so we were unable to accept your application. As our business policies are commercially sensitive then I am unable to…
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Credit score drop
Hello checked credit report today and on Noddle my score has dropped from 4 to 3. Now I know the score isn't really very meaningful but - I assume it has dropped because of current mortgage application, I declined me at first due to the stupid system. I was accepted when I redid and put in info they told me over the phone…
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Help with cca please?
Hi all. Wonder if anyone can advise please. I had a 10k unsecured loan with Lombard circa 2002, all was going well until 2004 when I was forced to stop work due to a disabling illness (I am now in a wheelchair). The insurance only paid for a year so, inevitably, I was taken to court. I didnt contest, and the judge ordered…
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bank statements for credit check
Hi Sorry if this isn't the right forum... I've been asked to supply three months of bank statements for the credit check to rent a flat. My question is: can I give them a short version of the statements - just money in and out for each month, as opposed to a detailed list of my transactions? I feel that's pretty private…
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Searches on Credit File
Hi, can anyone shed any light on the huge amount of insurance companies that are doing searches on me that are now showing on my credit file? I haven't requested and insurance quotes to prompt this information being requested. Thanks
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Just had my Vanquis through.
To admins - I don't know whether this is best suited here or in the credit card section ;) I had my Vanquis card today and I'd like to start using it straight away so that I can start receiving positive marks on my credit report? There are a few things I actually need like a pair of trousers for work (£20). Is it a good…
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lovetts debt recovery solicitors lied and issued CCJ wrongly! now wont remove the CCJ
hi im after some advise. we missed a few payment when we changed bank accounts as they didn't automatically change the details as planned with my private maintenance company who charge us a fortune to live in a crap estate (EX MOD) but that's another issue. they sent the debt to their solicitor without discussing it with…
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One late CC payment - impact of Credit score?
I stupidly missed my January credit card payment - it's been a manic month and it totally slipped my mind and I've not set up a DD for the minimum amount. I got my letter/statement through yesterday and paid a chunk off right away. What impact could this have on my credit score? This is the first time I've done this in a…
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credit report in new address after return to UK
hi i left uk for 6 years now and i will return next month. so if me or bank run a credit report of me and my address aboard. (As bank only ask your last 7 years address. ) my old defaults , late payment, ccj would not show up right? i checked with trust online and no CCJS was recorded. thanks
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Vodafone default
I have a default with Vodafone from 2009 which was accidental on my part. Thinking I was nearing the end of my contract, and annoyed with the service I was getting I rang up to cancel. I was asked if I was sure but was never informed how long I had left or how much cancelling would cost me, though I didn't think to ask…
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Accidental default ruining credit file
Hti all, I'm having a bit of an issue with my credit report due to a rather stupid oversight by myself and was wondering if there is anything I can do? Issue in a nutshell: I have a fully settled default on file from 2011 with Orange that's dragging my credit rating down. Background: I moved out in 2008 (rented) and took…
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Credit Report
Hello All, Im looking to see if i can see me credit report again. I am requested with experian and used the free 30 day trail years ago. (over 7 years) i suppose im asking if there is anyway i can see it for free again as alot has changed it the past 7 years. Thakyou for you time Carl
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O2...
Hi all, I'll try and keep this simple: - I have a £300 credit on my O2 airtime plan - My DD was returned this month on my phone plan = £15 - phoned straight away to pay it - they said don't worry we have taken it from your existing credit - today my phone has been barred, on live chat to an advisor who says I have an…
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Provident - took them almost 5 years to contact me
In 2009 I got £1000 from provident at a temporary address that I had been moved into while the HA was doing a damp course. The money was for wallpaper etc when moving back in to my old address. The provident agent was aware of my previous address and situation with the temporary one and knew that I would be moving back to…
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posted to wrong place - Credit file question
Hello.. I am after some advice, while checking our credit files I have noticed thata bank account in hubby’s name shows late payment 5+ months of £10, now whathappened was he got a new mobile phone and during the application they askedfor a bank details to confirm his identity, as I was doing the application forhim while…
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Credit Ratings and Phone Companies
Hi, I'm currently in disagreement with a mobile phone company regarding a contract, we thought we agreed to a 'rolling' monthly contract but they say we agreed to a 2 year fixed contract, this has now gone to the Ombudsman for investigation. The company in question says that my credit rating will be affected if I don't…
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The importance of checking your credit record!
Up until now, I have been too scared to check my credit reports, but as I became debt free in June last year, I decided this week (actually I was nagged to a frazzle by my daughter) to see what it was! Thank goodness I did and how I wish I had done so many years ago while I was in debt! Experian showed a default from Aktiv…
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how long does cifas stay on your credit report?
hi how long does cifas stay on your credit report? thanks