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Can anyone help Court Order
hi there, I recently received a court order for a sum in my maiden name, I stupidly ignored it as I have not had my maiden name for some years & thought it was abit dodgy. It arrested my wages I contacted the solicitors that are corresponding with me on the companies behalf, I contacted them asking for the credit agreement…
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Default Account on record
Hi Me and my partner have recently applied for a mortgage and been declined due to my credit score, i have got my credit file and found a defaulted bank account going back 5 years, My question is, Should i leave it to fall of me record in a years time or settle the debt in the hope it may help get a mortgage? I would…
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How long does it take to have a financial assosciation removed ??
Just checked my credit file (experian) and noticed I had a financial assosciation on there back from years ago, have submitted there dis-assosciation form but it doesn't say how long it will take to show on there will it be kinda next day or will it be next month?
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credit report with dispute
Hi all, hoping to apply for a mortgage in the next few months, I've just checked my experian report to check everything's Ok and it has a score of 998 classed as excellent, how ever.it's still flagging up that an account is defaulted, this was from a phone contract over 7 years ago, and wasnt my fault. There are no details…
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So Annoyed with E.ON!!
I switched energy suppliers in July of this year having previously been with E.on since November. I sent all of my readings in to both E.on and my new supplier, I knew there was an outstanding balance with E.On and I phoned three times to speak to them and was told that I couldnt pay my bill as the bill was not full and…
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Loan.....old defaults?
Hello, I'm looking into the possibility or not of being able to get a loan with defaults back in 2006. All accounts are settled and were fully satisfied in 2011 after doing a management plan with Payplan and also directly with Natwest. I earn £42k, am married, have no debts, other than a capiltal one, one card which I use…
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what can be seen?
I hope someone can clear this up for me. I know companies can't see who has carried out the searches on your credit file but can they see that it is for either insurance purposes or quotations? I have just renewed my car insurance and was wondering how this would impact my credit. Thanks
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Help credit report and dept
First off hello and happy new year to all peeps been a long time Just wondering if any 1 can help me out with checking a credit report from Experian that has been working long side a dept management plan for 5+ years all payment sent on time Does any 1 do this service to pick out wrong parts on report if any that the…
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Suddenly only getting rejections
Hi, I've been applying for financial products recently (no more than usual) but I'm suddenly getting rejected and I can't understand why. Would anyone be able to offer some advice? I'll put all of the relevant information here, hope theres not too much... I've had financial services since I was 18, so bank accounts,…
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Cahoot and SB Debt
Hello All, Quick query regarding a debt currently held by Cahoot that they bought off Vanquis. The last payment made was in September 2007 and a default was applied in February 2008. This means that 1) it is statue barred and 2) the default will go off my file next month Now my query is, for the first time in 5 years,…
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Linked Address
I checked my credit report via Equifax, my EE account is showing a linked address of somewhere I have never lived its in a town over 40 miles away that i've never been near to. There is no dispute that the account is mine as it is but how can it be showing as a different address, has EE input something incorrect? The…
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3 CRAs? So who are Synectics Solutions & Experian Decision Analytics who aren't CRAs?
Most of us are aware there are 3 CRAs, I think ? So who are Synectics Solutions & Experian Decision Analytics who aren't CRAs? (This weekend I learned that they have my personal data too).
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Take Secured Loan to Build Credit History?
Hi, This is only my second post but I have been lurking in the debt-free wannabe forum for a while. Although not (really) in debt, I found it very inspiring and got lots of tips from everyone. Sorry for the long post, but I need advice from the good people of MSE in regards to my credit history. I thought about talking to…
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bit annoyed with o2 (Default Notice)
I have been a o2 customer for 25 months, i have just received a letter from them, dated 07th January, With the heading Default notice, for the amount of £38.77 My payment is due on the 05th January, There is a direct debit set-up on the account, so money should just come out of there, im a little annoyed. As i was only…
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soft search and hard search???
Hi, my partner and I were declined for a mortgage with natwest last week and are in the process of applying again. There is no obvious reason as to whybas we passed affordibility checks etc. We are now applying through halifax. Obviously Im nervous now having already been declined for one. The mortgage advisor at Halifax…
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Credit file confusion
[FONT=Tahoma, sans-serif]Some years back (4 - 5 years) we had a nightmare few years with ''defaults'' on bank loans, CCs, Store cards. Biggest was the Bank with a loan and CC totalling £15K. Eventually I started regular payments to all creditors and it became manageable. I was able to clear all debts in full during Nov…
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How do lenders come to instant decisions ?
How do credit card companies etc come to "instant" decisions online when you apply for a card ? Isn't 5-10 seconds a little too quick to read someone's entire credit file, or do they see something we don't that tells them yay or nay ?
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Credit checks and changing utility suppliers?
Hi I was wondering if anyone could help me.... I'm moving into my first flat shortly (after house sharing for some time!) and will possibly be changing energy supplier and taking out contracts for home phone and broadband. I have a high credit score but have read this can be pulled down by applying for credit etc and by…
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Cashplus usage?
Hi I got Cashplus with CreditBuilder in October 2013 - I added £100 so they take £5 every month off it (balance decreasing). Fortunately, it is being reported on Noddle so all is good but I don't use the card for anything - is this a bad thing? I notice on Noddle: - "Regular Payment - £5" - "Opening Balance - £54" Does it…
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pay off loan or put on credit card to protect credit file?
Hi all, Should I pay off my £3k loan or put it on credit card? I have the following credit: 0% Tesco credit card: £2,000 credit limit, obtained Apr 2013 0% Virgin credit card: £2,300 credit limit, obtained 2014 8.4% Hitachi Personal Finance loan for three years: £3,000, obtained 2014 I have only ever used half of the…
