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Experian Statutory credit report problem!
I just applied for my Credit report- the £2 one and got this message I filled out the online form..does anyone know if it takes long to resolve these issues?
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How long before experian correct file?
We are about to apply for a mortgage and upon checking our credit files noticed there was a mistake from orange, after a week of stressful phone calls and emails, I have spoken to them and they've confirmed the mistake via email and said the information of late payments will be corrected and replaced with 0 when they next…
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Refused Tesco credit card
I've been out of debt for around 7 years now. At that time I paid off 3 credit cards all at a reduced amount by agreement with all 3 debtors one of them was Tesco. I wanted a new tesco card mainly to get double points when using it to shop at with them Since my debts have long been cancelled out and my finances are in good…
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I need my credit file from 12 years ago!?
Hi there, Experian have told me that they and equinox keep just six years of personal info on file. I am trying to locate details from further back up to 12 years in fact. Reason being, I sold my house in 2002 and some months later using the 14k profit I made, I paid off two loans which I remember definitely having PPI on…
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natwest default error
I have just applied for a re mortgage and was amazed to find I had a default on my credit report which has lead to being denied the mortgage. on searching my report I found it to be a default on my current mortgage 10 months ago. After cross checking bank statements I contacted NatWest and was told sorry that's our fault…
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Using Jacamo catalogue to rev up your credit rating...
After several years abroad I am trying to build up my UK credit history. I got approved for a Jacamo catalogue. Credit limit £150. How do I best utilise this to boost my credit history a little? Is it best to not order anything? Or to order low value items and then pay the balance off in full each month? Or to just make…
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Updating my Credit File
Hi All, At the end of December I updated my new address with all of my credit providers, 3 days ago I sent the electoral form back and yesterday I emailed experian to let them know my new address. Experian have updated my address but my credit score has now dropped as I have no credit agreements at my new address. Does…
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How is it?
I've a question 24Studio charge a minimum of £1 service charge when you make a payment. But if you came to pay the money off, won't the service charge keep adding up. If you go to pay the final pound off, it will add another one on! How is it possible to finish payments?
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Expired default
Hi everyone :) Quick question, A default from a loan which i got a long time ago is due to drop off my credit file at the end of this month....finally! I have been debt free for about 4 years now and I am no longer a young naive fool! Anyway i was wondering what you people think my chances are of getting a loan of £15,000?…
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Do i need to Declare credit card debts even if I have a good credit rating
Hi I am currently looking at moving with my partner to a bigger property with a bigger mortgage, however I have 2 credits cards with approximately £5000 combined, which he isn't aware of. Will I need to declare these credit cards when i apply for a joint mortgage, even thought I have an excellent credit score on experian…
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default date last payment ???
Hi just Wondering If some one let me know if correct or not Does your default start from last payment as a company called c l finace that was on a payment plan with 6 other default accounts have changed default date to 2012 and down as settled but the other 5 defaults have original date 2008 default dates when plan started…
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applying for mortgage
hi..i am applying for a mortgage and i am just interested to know if having your stamp duty paid for and white goods included in the house sale makes a difference to how the lender values your house. any feedback welcome!
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switching to halifax
This forum isn't the best at sub forums so I have no idea were to stick this thread. im with Barclays and the Halifax £100 switch fee and £5 a month is to good to miss, I don't want to close my Barclays account though, you never know, in 6 months I may want to move back;) now if I go into halifax will I still get the £100…
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Ccj due to expire this year!
Hi all, I have a CCJ which is due to expire in November this year. It is an unpaid CCJ for £1800, of which I have never made a payment too. However I am in a posiition now where I could potentially afford to pay this off in the near future. My question is... if I were to pay this CCJ off would it then reset the 6 year…
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Electoral Roll - Mortgage Application
Hi Guys, Im about to apply for a mortgage through a broker, I wanted to run past an issue with you! My credit file which is good has my address on the electoral roll at my parents address, I actually moved out 2 years ago to share a rented home with my wife, now ive changed the my address with my banking and electoral roll…
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Data controller address/info for HALIFAX credit card
Can anyone provide me with the relevant information for the Halifax data controller? Have looked on ICO website but am struggling to make much sense of it. Need to send a request to have my file updated post protected trust deed to the data controller for Halifax credit cards. Thanks in advance
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Possible CCJ need help
Hello guys, looking for some help here. I'm going to make this as short as possible, basically around the middle of last year I had a very minor bump in my car (reversing into the side of a car at very low speed). Now the other party has claimed whiplash agains me and I received letters from the courts etc saying I had to…
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Mortgage application - credit report
My partner and I intend to gor for a mortgage in 2017 when most of our credit history is back to a good level. The only thing that will be left is a debt management status from March 2011 on the account that they are currently using now, the debt was fully repaid back in 2011 and account has been in credit ever since.…
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Strange text from 'Katie'
Hi, I'm not sure if I am posting this in the right place, so I apologise if I am not. I have just received a text saying; "Hi ******, it's Katie from PLF. I have your loan results ready. Log in at PLFinder.co.uk using Ref ******* to get your loan. reply STOP to cancel" The number is 0700281836, to which I have replied STOP…
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Hillesden Securities showing default on Credit report up to date with payments
I ran a credit check today and I can see a default against every month for the last nearly 7 years against two debts that Hillsden collect. I pay every single month on time and have never defaulted. I've emailed them but I'm not expecting much help from them. I used Noddle by the way. Is there a way I can ensure they…
