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Address Issue
After checking my credit file it has come to light Halifax have me down at the wrong address. Will one creditor out of three have any impact on my potential to obtain further credit? I've notified them and they have apologised and have updated my address.
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Eeek credit score 32
what can i do to start building it back up?
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Will starting paying debts start my 6 years again
I've just joined noddle and now know what i owe and to who, i had planned to pay them all off but i have 6m to a year left before the 6years is up so if i start paying them now does that start the 6 years again?
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Experian report versus EE Ltd
Hi I am new to this so hope I am doing this right.... I am trying to repair my credit score I have checked my Experian report and there are some old credit accounts that balance is 0.00 but haven't been marked as settled even though the account is closed. I have managed to contact most of these to ask them to rectify this…
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Ex name association on my credit file
How do I take my exes name off my credit file? It says I am connected to him. I don't want him to know where I live , will that alert him when I go to take him off?
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Debt Collection Agency chasing me for 1 months gym fee
Hi, First Post here so forgive me if its in the wrong area. I recently cancelled my gym membership with Eergie Fitness. The T&C's stated i needed to give 1 months notice to cancel the membership. I contacted them the day after my monthly payment was taken to cancel it. the response i received stated they would take a…
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Just curious about missing files!
One of the first reasons I joined these forums was over confusion with my Esperian credit report that had lots of things missing from it, namely my mortgage and my biggest and clearest credit card. I tried to check with Experia who seemed to think I had no credit at all. It was a total nightmare! I have just signed up to…
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CCJ removal time
Hi, just wondered if anybody could help me. Had a CCJ set aside and would like to know how long this will take to be corrected on my credit report. The judge said this will not be re pursued by south west water as it was wrongly in my name! Can anyone help on this thanks warnie05
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Debt Statistics UK
This makes interesting/worrying reading..... The general trend is getting worse Total UK Personal debt - an astonishing 1.43 trillion pounds !! http://themoneycharity.org.uk/debt-statistics/ What do I owe ? £0.00 in total
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aqua messing around over clean up
aqua say I need to provide more proof of id to clean up my file. I sent them my bankruptcy discharge notice but now need to send copy of driving license, proof of current address and a utility bill from previous property (that we moved from 4 years ago!), even though I have a current well-managed card with them. Will I…
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2 small victories against Santander
Back in 2012 I was made redundant and moved from West London back to my hometown of Nottingham. During the move I requested all of my standing orders to be stopped as money would be short with the move. The Santander retail bank in Ealing Broadway didn't remove all the standing orders in time, this caused me to go over my…
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Credit File Errors
I have been getting letters from a debt collection agency for a debt that has nothing to do with me. I checked my credit file and there are defaults on there regarding this debt, I have raised a dispute with the credit file people and also written to the credit company. What concerns me the most is that on my credit file…
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Bad Credit History - How Do I Resolve an outstanding issue from 2009?
Hi I applied for credit for a new car - a novelty for me as I've never had a car that was actually mine! I was contacted by the dealer to say my application for credit has been refused. I have checked my credit history using noddle.co.uk and it has shown an issue I thought had been resolved years ago. In 2009 I upgraded my…
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Bank loan on credit file
I had a bank loan years ago which I had issues paying, settled with them partial amount, now there first settlement was done a year before the date on the credit file this was because the bank had forgotten to settle it, is it possible to get it back dated to when I did settle it as if it was then it would be taken off my…
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Building up credit "rating", coming from abroad
Hello! I moved to the UK from Norway in October, and currently I am a fulltime employed, with an ok salary (over 30k+). I currently live in a houseshare, but my ambitions are to buy my own place after a year or so. Since my credit rating with is literally nothing, (experian says its 419) since I moved from another country…
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Experian admit their "credit score" is pointless since lenders don't see it
Something interesting that's turned up on the Financial Ombudsman Service's website is a decision involving Experian's made-up credit scores offered as part of their CreditExpert service. Quite a few people on here, myself included, have quite strongly advised posters to completely ignore this score because, at best, it…
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Debt company constantly calling my mobile but not for me
I keep receiving text messages from different companies asking me to call about making payments which i just ignore as its obviously not for me as i dont have any debt. However they are constantly calling me to. I think someone has given them my number instead of their own. Does this affect me at all regarding credit…
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Default Date - EGG
Hi there, I had an Egg Credit Card in 2005 which i defaulted on, now Marlin Financial have started chasing the debt. When I checked my Experian file is shows as defaulted as 2011? How do I check when I actually defaulted as im sure it was much closer to 2005 than 11. also if i find it is older than they say how do I get…
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Credit rating very poor
I knew my credit rating was not that good but I was shocked when I signed up to Equifax and find that my credit score is: 114 (Very poor) as of 03.01.2014 :eek: Oh well most of you know that I have been accepted for a vanquis credit card and should get it soon and I am sure my credit rating will get good with vanquis :D
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Do CRAs have access to NINo.s, passport no.s and drivers licence numbers?
Well do they? Notice I said "access" to. There is actually no difference in data science terms between "access" to data and "possession" of it except that access is more likely to be successfully hidden and denied if no one is keeping tabs.
