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Address -flat above business with no official address, should I change?
We have been offered a flat within a holiday park as part of my partners job package but it is part of an old building which is now the parks club house, seems to have no official address, no individual front door or letterbox all post goes to reception, no organisation recognises it and we pay no bills only rent. Many…
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Vanquis & CashPlus
God afternoon all. I already have a CashPlush account with Creditbuilder. I've had this since November 2013 and they are recording my payments on Experian. Would it harm to open an account with Vanquis as well? Thanks :money:
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PC World 16 year court case in today's DM
http://www.dailymail.co.uk/news/article-2537034/Father-two-takes-16-year-battle-PC-World-Supreme-Court-250-000-row-laptop.html I hope he wins his court case. It's interesting the mention of his credit rating and his Spanish property falling through
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More info on defaults
I have 7 defaults on my credit score :( They drop off x1 2015, x1 2016, x2 2017 x1 2018 x2 2019 In all honesty I'm only just beginning to understand my credit score and what a mess I've got myself in. I've nearly paid off all my debts and the next step is to save for a mortgage. Some of my defaults were at very low levels…
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Parent Help for mortgage
Hi, Its January and like most others I am skint (lol),and will be for the rest of the year as the big save begins for a deposit on a mortgage begins at the end of this month. I have checked my credit file and my rating is pretty low but I have no defaults. I have taken on board all the tips that are given on this site and…
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Possible default may affect mortgage application
Hello, I am looking for some advice as I am going to be applying for a joint mortgage with my partner and worried my previous bad debts will affect out mortgage application. My salary is £35k and my partners £40 and we have a deposit of £90k based on equity and savings. We are looking to purchase a £270k property on a…
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missing entries
I had a business loan & business bank acct with a high st bank in '07. The loan was guaranteed by the DTI. I went bankrupt in '09 and included these debts. Neither appear on any of the CRAs. Could they have dropped off, or could they have been missed? Also, my current perfectly run aqua card only shows on noddle, but my…
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CCJ set aside
Hi Group I managed to get a default judgment (CCJ) against a company. They didn't respond to any documents, despite everything going to their registered address as shown on Companies House (a reputable firm of accountants). I then managed to get an Interim Third Party Debt Order, and the full amount owed is currently…
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Hoover/Candy Default?
We had a 'repair' carried out by the above but are far from happy with the repair and have so far only agreed a part payment. They have now sent a letter to debt collectors whom threaten with 'might affect your credit record'. Am I right to believe that you can only default on an actual Credit Agreement and that unless…
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Unknown Bank Account on Noddle File
Hello, I've just set up a Noddle account and everything is fine and dandy apart from a mystery bank account with Lloyds Bank, which apparently was started in May 2005. As far as I can remember I did apply for an account there but was declined, going instead to A&L (as was) and certainly never received anything from them to…
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Problems building credit. Help!
Hi, I returned to the UK from 7 years abroad 5 months ago. I'm finding it challenging to get/build UK credit. I'm on the Electoral Roll and my longstanding bank account is reporting to the CRAs. However that is the only thing on my credit report. I was turned down even for a SIM-only Pay Monthly mobile phone. How does one…
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Paypal and Credit Reports
Hi, I was wondering whether your Paypal accounts show up on your credit report? Many years ago I checked my report using the Experian free offer and noticed all the credit cards and bank accounts I either had or had in the past were listed there. So this got me wondering if my Paypal accounts opened since are there too…
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Noddle 1/5, how?
Hey guys, I was looking at my Noddle report and it says I'm 1/5 after being 4/5 a couple of months back, I was wondering how badly my address change, one late payment and new bank account opening hurt my file as that's bad, I was intending to apply for a new CC (balance transfer card) and after seeing this I'm…
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Zero Credit Rating
Good Evening All, I'll be the first to admit that I have made an utter shambles of my credit for a very long time but I thought I'd have a look at my file for the first time to find I have a credit score of 0. It shows that I have a bank account and a mobile phone account which are both satisfactory but also two default…
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Equifax Fundamental - What shall we say? - Lack of Usefulness as a CRA?
Not wishing to criticise two of the CRAs mercilessly without criticising the third for its uselessness in my case, I thought at least that Equifax should have a thread of their own in this sorry saga of date of birth mismatches and fraudulent credit all too easily applied for in our names with no actual checks worth the…
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Removal of Default Notices
Good Afternoon, In December I finished paying of my Debt Management Plan. Today they have called me and confirmed everything is all paid. They said to contact the companies where necessary and see whether they can remove the defaults notices. I have 5 accounts that have defaults on them. Is this worth doing? If so, is…
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Two defaults for the same debt?
They have now gone from my credit reports to it is not so much of an issue to me now but out of curiosity and to help others on here I have a question: Years ago I got a default for a CC and they sold the debt to HFO who in turn also registered a default when they took the debt on. My first question is - I know you cannot…
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Searches for Credit Cards not on Noddle?
Hi, My Fianc!e and I both signed up for Noddle (no particular reason, just wanted to check everything was okay, hence why I didn't pay for Experian or Equifax). Now I have a credit card, my Fianc!e has two credit cards (albeit one very recent, so I'm not worried about that one). We also have a joint Santander 123 account,…
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Credit Report CCJ expiration
Hi all, I have read that after 6yrs (if paid) any CCJ's will be taken off your credit report - but my situation is this - I have only just seen that there was a CCJ added to my file 5yrs and 8months ago (meaning this April it will be 6yrs) If I pay this off say this month... will it go off my file in April... or will it…
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In a pickle
After some advice please. I've been using checkmyfile.com to keep an eye on my credit report as I'm really trying to sort it out. I have four defaults from a long time ago, 2 of which are satisfied. In a couple of years they should all be satisfied and the 6 year time limit should be up. However, a mate told me I should…
