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Can I change my Date Of Birth on Bank & HMRC records as easily as changed passwords?
In other threads where I have complained of no query being raised when a fraudster opened an account in my name with the wrong date of birth, some commentators have counselled that date of birth is "only part of verifying your identity" or some such. They have argued that it is not critical. In these days of Genesreunited,…
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Incomplete Credit File
Hi, I have obtained copies of my credit report from each of Experian, Equifax and Noddle. I went through a phase of 3 or 4 months in late 2010 using pay day loan companies (Wonga, quickquid etc). I got out of the rut and have not used them since. There doesn't appear to be any trace of these on any of the credit reports…
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Credit application mystery
I was in a hole as I couldn't pay my salary from my (limited) company for the first time ever on Monday as a debtor failed to make a huge payment. The lack of salary left me in a personal crisis. However, it is quicker to apply for personal credit of some sort than for us to make an appointment to go into the bank and get…
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Should I get a statement for a CCJ?
Hi I have an old CCJ which has fallen off my credit file. It was registered in 2005 and I have been paying £80 a month ever since. It must be getting close to or even may be beyond paying it off but I have never had a statement or balance so I have no idea. A couple of questions then.. firstly - should I have received…
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What a creditor can see when they run a CRA check on you
I am not sure how much this helps but I will post it anyway. About 2 years ago I was sent a screen print of my Experian report by someone I owed money to. This was interesting because it allowed me to see what they could see about me. Granted it is only Experian and it is a couple of years back but I guess things haven't…
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Experian % of credit in use has gone up !?!
So I have paid all my debts off which are not yet showing on the report but the percentage of used credit has gone up by 1% from 11% to 12%. I don't get how this can go up when nothing else has updated on my file yet:mad: if anything it should go down as now I've paid everything off. Also is there a percentage that…
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Not My Fault (For a change..)
Hiya folks, Noticed some very odd issues with my accounts of late. I set up a standing order with Barclays in September to pay some money into my Cashplus Credit Builder. First payment was made by myself for the initial opening of the cashplus account, no problems. Then I used the Halifax Switch Service and had everything…
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My Credit file and Sequestration
Good evening folks, I am looking for a little help and guidance. I am from Scotland and after suffering problems with my sole trader business, was sequestrated on 11/01/2010 and was discharged on 11/01/2011 with no problems. Since then all of the bad debt I have before sequestration is still defaults on my credit file…
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My I.D has been used by someone for phone line connection
A few months ago i got a invoice of £226 out of the blue from some company called Unicom http://www.switchingon.com/. I rang them they said i had a phone line at a shop which is 3 miles away from my home address and that their traces are 99% accurate. I went police station they said report it to action fraud and till this…
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100% guaranteed
After completing the credit search on Money Saving Expert page I received a 100% guarantee for a Halifax 0% balance card, the page also informed me that as I had completed the search NO FURTHER CREDIT SEARCH WOULD BE REQUIRED. Acceptance would be automatic. Having proceeded to complete the Halifax on line application, and…
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Experian/Credit Expert Hoax?
First post and I am sorry if this is in the wrong place. I have had a LOT of issues with Credit Expert/Experian. At first, when I signed up to the free trail, I didn't want to continue it, but it was actually a very helpful service, so I kept signed on. Ten months ago I decided that, with my amazing credit rating as high…
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How will a temporary Arrangement to Pay (AP) affect my credit rating?
Hi Back in 2008 I entered into an Arrangement to Pay agreement with Barclaycard as for reasons I won't bother explaining I couldn't afford the monthly payments. This AR went on until 2010 when I started making higher payments and came off the AR. I still have the card and have green ticks every month since then. I didn't…
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How long to update my credit file?? Mortgage application.
Beginning of the month I paid off any debt I had my CC in full, my catalogue account and also reduced my overdraft. Now it says they were all updated on 01.12.13 so when will it update again?? I have checked and so far still says the same. Me and my partner are meeting with our mortgage advisor on Tuesday to do our full…
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electoral roll, name differences
Equifax thinks I'm not on the electoral roll. When I look at my credit file, it reads my mum, dad, sister, "John Smith" (me) and "John R Smith" (also me). I must have applied for something in that name once. How do I fix this? Is a correction notice my only option, or can I go to the credit agency and get it rectified?
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Low rating due to debt solutions company
I'm posting on behalf on someone else. A friend wants to look at buying his first home soon and went to a bank to see if he could get a mortgage. After being refused he logged on to Equifax to see what was happening. Just over two years ago he was in quite a lot of debt and was struggling to afford payments so organised a…
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Accounts not coming up on my report
Hi there, I took out a Vodafone contract on June 23rd in 2013. I have been in contact with Vodafone and I have just checked my credit report and it is not coming up at all. When I spoke to them they confirmed that it is being reported. What is there that I should do. They confirmed my address, name and DOB so I don't…
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TSB markers
Hi all, This is my first post, however I've been reading forums for a while for information. I held a Classic account with Lloyd's TSB for 3 years or so, and always had the pleasure of a CPD marker, ensuring no overdraft would be applied to my account, and no credit facilities would be available. Since TSB have been…
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Advice on obtaining mortgage with poor credit
Hi there. New to this site and looking for a bit of advice. I have spent the last few years trying to clean up my credit report after a marriage breakup over ten years ago left me with many defaults and 2 CCJS. The defaults and CCJs have all long gone and my experian score is up to 720 yet still can't get remortgage. I…
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Date of default...is this right??
Hi there, I took out a loan of £12500 with black horse in January 2008. The loan term was 60 months, and therefore should have been settled in January 2013. due to lots of reasons the loan went into arrears, about 12 months after it was taken out. It has been in arrears ever since, and black horse sent us a default notice,…
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Ee - closed account
hi, my noddle report is still showing a mobile phone account open with EE, formerly Orange that formed part of my bankruptcy in 2011. it has a balance of £628 which never changes. I contacted them and had it corrected to show as satisfied but after one month it shows as open again. any ideas how I can get this issue…
