-
Equifax - When £2 Statutory Report Costs £8
First of all It is a moment of celebration for me at last.:j:beer::T After 6 of the longest year of my life my credit report is finally clear of any adverse information. I have managed all my bad credit credit cards properly over the last 3 years. Always paid in full, on time and never paid a penny in interest. Prime time…
-
I think I'm being fobbed off by MotorMile Finance!
I have defaults from March 2011 registered by them on my credit report. I genuinely don't believe that they ever sent me a warning saying that they were going to mark my accounts as being in default. I've been paying £5 off each month for over a year but I decided to write to them (recorded delivery). This is a quote from…
-
Confused about arrangements
Hi there. Just a quick query. I had 2 Studio accounts on arrangements for years and before Christmas I put them back on to normal terms as thought it may be affecting my credit rating. Checked Equifax and Experian today and they have both been updated. Experian score has remained the same but Equifax has gone down!! Surely…
-
Should my default dates be different?
Hi everyone I unfortunately had to declare myself bankrupt several years ago, and I am now nearing the end of my 6 years. My understanding is that my defaults should disappear from my credit file after 6 years. I have applied for a copy of my credit report from Experian and a number of the defaults that were included in my…
-
Getting a CCJ marked as satisfied
Does getting a CCJ marked as satisfied result in any significant improvement in credit history? The only black mark I have on my file is a single 2 year old CCJ. I've taken the attitude that as the damage has already been done, I'm not paying it unless i really have too! But now I'm thinking of moving house I'm wondering…
-
Credit Agency and New Name!
Hi guys, A Pal of mine has good credit rating. She married few years ago but have not changed her name. She went to change her names today in all the bank she uses. She went to Santader today to open a current account but was denied ''everyday current account'' quoting experian. They eventually open a cashcard account for…
-
Voters Roll
Hi, I am registering on voters roll for the first time. I noticed when registering online it is a really simplistic form. I have also recently changed my name. I am wondering what, if any, checks are taken carried out after i submit the form to confirm my details. From the looks of it basically anyone can register on the…
-
Will a credit union loan show up on my credit report & affect a mortgage application.
I'm saving for a deposit to get a mortgage. I'm a bit short of the 5% minimum so I was thinking of taking out a credit union loan. Would this show on my credit report?
-
Late payment marks on credit file-tricky circumstances
Hi My mortgage application went in on Monday but was declined due to 3 missed payments on my barclaycard last year. I had completely forgotten that last August a charge was made on my otherwise cleared barclaycard via iTunes (which was made by a friend and I was unaware of) for £6. As I hadn't been using my barclaycard…
-
Utility companies & Council tax Authority-information given to CRA'S?
Hello all, Over 6 years ago (now dropped off file) I was insolvent (Bankruptcy). This was tied to an old address-100% NOT linked to my new address (no credit at this address at all-bank a/c tied to old address-only 1 bill-scottish power-in my name-no previous address given at time of signing up to scottish power). I do…
-
Credit Rating - Highly Confused
I signed my wife up for Equifax. She has an excellent credit history and her score came up as 498. There was one minor blemish. This was caused when she opened an M&S account and they took the first monthly fee straight away before she had had a chance to deposit any money (they actually acknowledged liability). Anyway,…
-
Bank failed to remove Default/delinquent credit report
Anybody Help? I had disagreement with my bank in 2005. They said I owed them £6000 (£3000 overdraft and £3000 charges). I disputed the charges which they agreed to waiver and paid them £3000 in "full and final settlement". They agreed and accepted it. 6 months later I found they had placed a Default notice on my credit…
-
Littlewoods Error
Hi all, I'm new, please be kind I have recently viewed my credit file and I see Littlewoods have placed a late payment Mark on my credit file. In September last year when abroad, Littlewoods attempted to take the money, there were more than sufficient funds in my account, but for some reason which I still don't know didn't…
-
Aktive Securities Registering Default
Every month on same account for 12 months? I thought you could only register a default once. Is this legal?
-
help with a DMP and subsequent default pls
I have had a DMP with what was then the CCCS since 2007. One of my debtors was my Lloyds current account with an overdraft of £6500. Throughout the last 7 years I have been receiving my statements showing interest accruing. I received a letter from Lloyds in December last year stating that I had not been paying my monthly…
-
Old Credit File Address
Hi, Is it possible to get information on an old address, basically I want to check if I had any PPI on an old address but my credit file only display my current address, I can view my credit file via noodle, will Experian show the information I want.
-
Lender refusing to remove a default after payment error
I have a question on behalf of my Dad because dear of him he’s had a stressful couple of years trying to arrange a mortgage. Basically he’s looking to buy his council house with the ‘right-to-buy’ scheme, I think the total he’d need to pay would be circa £40k. He was approved by Lloyds on a ‘promise’ mortgage twice but was…
-
Capquest Trying to elicit paid amounts twice.
What do you all make of this? Sent to Helen Ashton CEO. Good evening. This story I would say reflects on your Company Capquest its staff and it’s unsuitability as a Licenced company . Debt Collection Agency. I feel that the attached letters are self-explanatory. However I would like to bring these matters to your personal…
-
Can I have these defaults removed from my a/c? Unusual circumstances!
I'm new to this site and I'm going to throw a not-so simple question out there! In 2008 (aged 19), I was struggling to pay my rent and bills due to unforeseen circumstances, Santander could be of no assistance so I visited Barclays bank (my new bank), the assistant said she would be able to open an overdraft facility along…
-
Experian codes
Just got my statutory report from Experian. I have an old Next Directory a/c i haven't used for years never used the cr faciliy always paid for items 1st. It is showing as a zero balance most of the a/c codes for it are U but some are D. The guide supplied with file says that U means unclassified but makes no mention of…
