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Settling debt and credit files
I might be in a position later this year to offer to settle my debt, creditors have said in the past they would agree to settle for a less than I owe. But I have read that this would be updated on my file showing that I didn't pay it off. Another site said you can do this, but strongly recommended that you don't without…
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Ccj
My husband has received form N1CPC Claim form regarding a debt with the HSBC Bank. If he ignored the form would a judgement be entered without further notice making it difficult to get credit? Would any further action be taken against him? He Can't remember how much he owes because it was about six years ago. He also had…
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Cani I pay someone to remove a settle default from credit file?
If so, who? Thanks in advance
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Please help! Default advice
Hi. I've checked my credit rating on noddle 3/5 and Experian (mid fair). I am looking to get a mortgage in 7 months. I have three defaults on my file. The first is with Barclays for a career development loan taken out in October 2005. They said it was defaulted in July 2009. I really think the default date should be…
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Changing Experian username?
Does anyone know if its possible to change your Experian username? I always forget it and when I recover it (each time) I then realise its an old email address that I used about 4-5 years back and that is now invaild (contact email is up to date and correct tho).
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Will this affect my credit rating ?
Morning all I've been getting a lot of calls recently to my home number from lloyds debt recovery and allied international credit. :mad: I've never had any dealings with lloyds and when i called both lloyds and AIC back the name they have isn't applicable to my number. I've only had the phone number since november and even…
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Electoral roll question
So I have two questions. Checked my credit file yesterday and its showing my previous addresses, but not current one, which I've been at since late July 2013. I've checked and I'm definately on it, although I think timing wise, I prob wasn't added until late Aug/early Sept. How long should it be before it shows up with…
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Credit Report Conundrum: Advance payment contract phone.
This little ones got me perplexed guys, maybe someone here can give me an answer or some ammunition prior to offloading onto EE. Two months ago i upgraded my mobile phone contract from Orange to EE. Having had an Orange contract for approximately 5 years it has never once appeared as an account on my Experian credit report…
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Credit agencies
Hello to All, I'm trying to check my credit report but am unable to register with any agencies i.e experian, callcredit as I do not have a credit card or debit card to verify who I am, is there any way around this? Thanks for any sugestions
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Does a "query" on credit file effect credit score?
I have looked at my credit file on the Equifax website and I have an old BT account on there from a previous address. The credit file shows a Q (query) for 3 consecutive months before it was settled. Does this effect my credit score in any way? I cancelled the account and moved out but it was not cancelled correctly at BTs…
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Default added in retrospect
Hi there, I conveniently forgot about a debt and then a couple of years later a stinky letter arrived on the doorstep for a couple of grand. I paid it off there and then however two weeks later the default was added to the credit report. I wouldn't have paid the debt if I knew they were going to do this. It's a company…
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Naughty Bank of Scotland!
They incorrectly registered a search on my credit file last June and amazingly they refused to remove it... (this is something which should be more regulated as banks can add as many searches as they choose in theory, and Equifax/Experian cannot remove without their approval) So I complained to the ombudsman and they…
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Incorrect default registered Aktiv Capital
Checked my Equifax report and found a default registered by Aktiv Capital for £3090. After looking at it further this refers to what I believe to be a Barclaycard that I had when I was a student in 2004. No payments have been made since 2005 at latest. They contacted me several years ago and I sent them the 'statute…
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Default Notice not received
Hi forum, I wonder if you can help me please? I’m trying to obtain a copy of a default notice from a lender which apparently they sent me but I have no recollection of ever receiving such a notice, and so require them to substantiate it. If they can't then I'll ask them to remove it from my files as unsubstantiated. I…
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6 Years Almost Up on Satisfied Default
I have a satisfied default dated 12/2/2008; I believe this will disappear from my credit records on 12/2/2014, is this correct? I have not applied for credit for many years and everything else all my records appears to be quite good (Experian are rating me at "Excellent - 967", Noodle 3/5). I don't have a pressing need to…
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Partner has CCJ - impact on becoming a 'financial associate'?
Hi Folks, My partner has a CCJ issued against his old address after he moved out to live with me. We have only found out after doing a Statutory report. He does intend to pay this off now that he's aware of it, however even once paid off it's my understanding that it will stay on his credit report for 6 years. Currently…
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FAO of Experian Company Rep
Hi James Apologies for the indirect approach but was interested in your view on a thread that has drifted into your area and you dont accept private messages. https://forums.moneysavingexpert.com/discussion/4870013 In it a website has been highlighted (http://www.freeidprotection.co.uk/) which states a foolproof way of…
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default on credit file/credit rating
Hi - Apologies, as this is my first message on such a forum but wonder if someone can help me?! Thanks in advance. I have today reviewed my credit file and was most relieved to see I have a rating of 973 'excellent'. However, having called into my Bank to enquire about a loan I was told they cannot help me having…
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British Gas default from address I lived at over 8 years ago
I recently created a noddle account so I could check my credit file (I have had one with experian for a few years). Upon opening my account I noticed I had a default for £84 from British Gas. This default is for an address I lived at 8-10 years ago. The default date starts Nov-2011! Can I have a default on my credit rating…
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Callcredit Online Statutory Report sign-up issues?
So I'm trying to sign up for my £2 Callcredit online statutory report and it keeps coming up with an issue and failing. I have had more than 3 different addresses in the last 6 years, could that be causing it to fail as it only allows you to enter your current and two others?
