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Obtaining A Credit Report Without Linking Current Address?
Back in 2007 I moved away from an address with some unsecured lending EG credit cards loans etc. I want to check my credit report for that address but don't obviously want it to link to my current address. The methods I have seen so far all involve me entering my current address (EG paying with debit card etc) and Experian…
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0% credit card oustanding balance but applying for mortgage
I have £3900 outstanding on a Barclaycard 0% offer with another 9 months to run. I am currently making the minimum payments and putting around £600 into a savings account every month, with an aim to pay off the outstanding Barclaycard balance once I have enough. I currently have around £2200 in savings. My wife and I have…
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Advice on removing default
Hi We currently have a default on a HSBC overdraft. We only became aware of it when our mortgage application got rejected. We would like to pay it off in one go rather than spread over payments. Can we: 1. Negotiate the amount we pay off if we do it in one sum? 2. Ask HSBC to remove the default Thanks
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advice on double default??
I have got a copy of my credit file and have a ccj against me by t mobile. It shows on my file as filed Sept 09 and using the reference, the court state it is by tmobile. The account seems to have been passed to sigma red who defaulted me Dec 2008? The default amount on my file here says zero but the balance says £330? I…
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Anonymous Voter Registration
I have recently been given an anonymous addition on the electoral register. I understand this may effect things like getting credit and opening a new bank account. I have a certificate of anonymous registration from my local council. It suggests I contact the credit reference agencies and ask to go on their special…
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Protecting credit from soon-to-be-ex-spouse
Hi Can anyone confirm that my thinking is on the right track for the following situation? A member of my family is in the middle of a messy/nasty divorce. They are seriously concerned that the soon-to-be ex spouse may well try to take out new financial loans using both of their names. The reason for concern is twofold:…
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Default with wrong amount
Hi can someone help me. I had a default placed on my file in feb 2010 and now just found out that the amount (£2k) included £259 of PPI which i was refunded in 2012. Do i have grounds to have the default notice removed from y credit file? The DN was put on by Aqua and they then sold the debt to Capquest after they hit my…
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Court summons...for £170?
Hi there. Apologies if this has been posted in the wrong place. I am a new user to the site and am not familiar with it. I am just wondering if I could get some advise? Basically, I split up with my partner 3 years ago. I had credit agreements in my name which were taken out for her. She stopped paying these when we split…
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Wrong name on credit search/application ?
Hi , a few weeks ago my partner applied for car finance, it was done online on the car dealers (sellers) website,at the time she said the website was rather poor and the pages kept timing out or not allowing her to input data correctly but she finished the application and waited to hear. the next day a chap from the…
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Debt Collection Agency
I had a debt which just recently dropped off my credit file after being default for 6 years. There is however a debt collection agency demanding I settle the debt. Legally can the get it from me.? If I settle the debt with them will it even improve anything on my credit file...? I nearly accepted a reduced settlement but…
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Does settling an account early affect credit rating?
Hi All, My hubs has a debt with wescott that he currently pays each month. He often gets asked by them if he would like to settle his debt and they offer a settlement figure. Up until recently we've never been in a position to do this however in the next few months we will be. I just wondered if it's a wise thing to do and…
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disputing an old ccj
Long story cut short... I have a ccj issued in 2009 for rent arrears and damage to the property. I have actively disputed this to the landlord (housing association) over the last few years verbally. They took me to court and sent the paperwkrk to an old address so I knew nothing of the court proceedings. l did pay some of…
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Conflicting Opinions on Credit Utilisation
The general consensus I have gathered from reading online is that lower your credit utilisation, the better. i.e. using as low as possible percentage of your credit limit is best. However, on this forum I have heard people say that to attract the "right kind of lender", it looks best to have high balances and pay off in…
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Pre-employment screening credit check
Hi, I have recently been offered the job of my dreams! However they want to do a credit check on me. I have had no defaulted or missed payments and have no CCJs or anything like that but my credit score is very low. I'm only 20 and always pay up to date and exceed minimum payments. Will they take into account my score or…
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Should credit report show a mortgage?
Just wondering. I recently got my credit reports from call credit, experian and equifax. However, none of them show my current mortgage. Is this normal? I have moved several times (it's a residential mortgage, but the property is let with the mortgagee's consent). The correspondence address on the mortgage account is…
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Can a DCA register a debt on file when lender shows satisfied?
Hi All I am currently in the early stages of cleaning up my outstanding debts (and my credit file) after a stupid few years in the payday loan spiral! I did have a debt with Mr Lender which I defaulted on however when they sold the debt, they seem to have marked my credit file as "satisfied" with an outstanding balance of…
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Creation finance updating my credit history when account is in dispute
I have had a five year ongoing dispute with creation finance, its hopefully coming to an end via FOS however I have advised them I'm not happy that creation have registered a default for nonpayment even though its always been in dispute. The FOS don't seem to see the issue with this, however I believed it was unfair…
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Experian
Hello, My Experian credit files doesn't log my current account from Barclays and Amex charge card, is this normal?# thanks
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Ongoing 6 payments late query
Hi there. Have already posted regarding this query in the past regarding my Style acc that has shown as 6 payments late for years. I seem to have some differences in how it has been reported to different credit reference agencies. Equifax show it as 6 payments late since April 2009, Experian show it as 6 payments late…
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Former creditors
Hello My BR & defaults are due to drop off my CRA files in early March. About 6 months after going BR in 2008 i got a Vanquis card & Cashplus card with Credit Builder. About a yr later the Vanquis card was upgraded to a gold card & a year ago i got an Aquacard. All this was done to re-build my credit record. I have also…
