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Equifax registration error -address endless loop
Hi I have just successfully obtained my reports from experian and noodles, but when i try to register with equifax to get their report as well i experience following error: Step 1 register last point 'your address'. I enter my current address which is over 6 years now, then i enter the previous address, and then it keeps…
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Equifax - red electoral roll box - why???
My overall credit score is 'good' with all sections green except the electoral roll one which is red. I have 3 addresses on the system: - House A which I was at for a year and on electoral roll - House B which I was at for a year and on electoral roll - House C (current) which I've been in for a year and a half and have…
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Payday lender and default
I was wondering if anyone could help, I took out a payday loan a while back but lost my job. I called the money shop to let them know about this and we set up a repayment plan (with interest no doubt). The money shop made it clear when setting this repayment plan up that if by making the two payments (each at the end of…
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Noddle Credit Score Confusion
I read on here that credit scores aren't held as highly as the Credit Reference agencies would have us believe. I was a bit sceptical of that view until very recently. Last year I got a Noddle credit score of 2/5, but wasn't really concerned as I didn't need any credit. I was just being a bit nosey. Recently I needed a new…
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How long can a default be added to your credit file???
Hello super helpful ones... I know that someone on here ALWAYS has an answer for me so I was wondering if anyone can tell me the answer to the following query...?? I had a debt which defaulted in June 2008. I denied the debt and stated that this is not my debt. I wrote to the company and asked them to prove it. They stated…
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Removing a CCJ from a bankrupt company
4 years ago I had a 12 month lease on a car with a company who caused me nothing but problems and upset. To cut a long story for the first 3 months they tied to DD my old bank account and every time I updated them they still used the old info (blamed a computer glitch). When I got the email from them I called up and paid…
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Early settlement on DMP advice.
Just wondering the procedure on trying to offer my creditors an early settlement and how best to go about it and approximately what percentage of the original debt might I expect them to accept? Thankfully I managed to claim back a very substantial chunk due to PPI charges; it worked well for me and it has cut years off my…
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utility company have marked my Credit file
Hi, has anyone had there credit file marked for a late payment. I can understand if it was credit from a loan, this would be something expected. Just because i was 4 weeks late, they put the late payment on my credit file and i am now worried, it will have an adverse effect with my rating. Any advise will be much…
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RBS Showing Defaults Incorrectly?
Hello I entered bankruptcy (Scotland) in May 2011 and was discharged from bankruptcy in May 2012. I registered with Credit Expert in February 2013 and found many creditors still showed I owed a debt. Credit Expert explained if I send proof of my discharge they'll contact my creditors to update my file. All did this apart…
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Refused New Bank Account
For some reason I was refused a bank account with First Direct after having been with Lloyd's for twenty years. Only thing I can think of is that we have moved twice in last two years. How long is this refusal going to stay on my account as want to try and get mortgage in couple years time? :mad:
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Responsibility to correct file
Hi there Bt mistakenly put a red flag on my report and acknowledged this was done in error. However they have told me that the honus is on me to correct the credit report in equifax. Is it correct that I should be correcting my report when it was their mistake? Equifax told me I would have to find the mistake and then…
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Natwest - Default - DM Plan
Hi All, Just looking for some advice or thoughts on below: I started stuggling with my debts in 2009/2010 and diecided to start a DMP Natwest is who I had a bank account with and a loan so that was included. I checked my credit file yesterday and Natwest have both logged defaults against me (which I expected) but the dates…
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return to UK with bad credit history
hi in 2004 -2006 i had very bad credit and can't even open a bank account. i didn't have credit card debit. but i had some unpaid bills on contract phone, one account overdraft and it was closed by N.W in 2003. and once i check in credit report in 2004 and i don't know why i had cifas on my credit report. but it was…
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Catalogues and paym phones!
I currently have a catalaogue account with 24 Studio and 3 Mobile contracts with Vodafone. When applying for these accounts i made myself older than i actually was. Wrong yes i know deceitful yes, but i did it anyway. I was wondering if when I turn 18 or 19 would I be able to phone these companies and tell them I've…
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Settled or Satisfied ?
I had a few defaults few years back due to a horrible year but then settled them all in full. On my file some say settled and some say satisfied Is that the same thing ?
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Credit Expert - Disappointing score
Good evening folks, I've been paying £14.99 per month for the best part of a year now to credit expert for access to my report. I checked it tonight and I'm pretty disappointed to see that my score is in the fair bracket with 777 as a score. This is an outline of my situation and I hope you could advise on how to make…
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What is the difference between default and arrears?
What is the difference between default and arrears? The reason I ask is that I fell into arrears back in 2008 and made a repayment plan with Tesco via Moorcroft. During this time I still received statements from Tesco and settled the debt in 2012 with the debt collector (Moorcroft). My credit report shows I defaulted in…
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Defaults, debts and windfalls — advice please
I've recently been thinking about my credit history and its impact on my future. I got into a lot of debt several years ago and pretty much lost all hope of ever being able to get a mortgage but recent events have made me realise that eventually (we're probably talking at least 5 years away) I might have a windfall which…
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Name on noddle
Hello all, Quick question. On my credit file from noddle they have my name down without my middle name. But on my bank accounts it does show my middle. Would this cause me a problem when applying for a mortgage if my names not quite correct on noddle? Thanks
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Improving my credit file
I'd like to try to improve mine and DH's credit file. Myself and DH have not used credit cards for a number (10+) of years now (after getting into trouble with them). I have signed us both up with Noddle to see our credit files. DH's score was 3/5, and mine 1/5. The only debt we have now is car finance (in my name, always…
