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Default showing different creditor ?
[FONT=Arial, sans-serif]I'm about to embark on sorting out a couple of errors on my credit file including an entry showing a defaulted account that at first had me scratching my head. [/FONT] [FONT=Arial, sans-serif][/FONT] [FONT=Arial, sans-serif]Its showing ''Barclays Bank'' but the account is actually with Home Shopping…
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Unrecognised default on Equifax report
Hi all, I've been looking at my credit reports again after being turned down for a car loan, and have discovered something strange on Equifax. There's an entry from Aktiv Kapital for a credit card on just one month in 2011, listing a Default/delinquent balance, and shows as "updated" on 31st Oct 2012. I don't HAVE a credit…
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Cancelling free trial Myreport.co.uk
Hi, I recently took advantage of one of the "free trial" credit reports from Myreport.co.uk. I sent an email cancelling immediately after I received the report. I had an email from Myreport this morning activating my account and I replied again pointing out that I had cancelled on the 17th Jan. I also phoned my bank and…
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Cancelling Free Credit Report
Hi All, I signed up for a free credit report with Myreport.co.uk. I cancelled by email immediately after receiving the report. I had an email form them this morning saying my account had been activated. I was a bit concerned about this so I phoned my bank and was told that the DD was waiting to go out of my account. It has…
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what will be the effect on credit report
Hi, i am wondering how my credit report will be effected by having the same name and date of birth as someone else in the UK? So i have a very common name, surname being smith and i know of two people that have same name and date of birth. How will this effect the way credit profiles work?
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Can I be defaulted twice on the same debt??
Hello I have recently been contacted by a debt collection firm saying I must repay a lloyds cc debt asap or I will get a default on my credit file, Obviously I don't want this to happen so I checked all 3 credit agencies and found the debt under the name of the Lloyds on my experian file - It stated on the file that the…
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clean credit file, £51k salary - declined credit
I have been declined credit (cc balance transfer now twice in the past year) and am struggling to undrestand why it might be. I have a santander CC and 12mts ago the balance was approx £2000, I applied to one lender to transfer but this was declined. At that time i then requested a copy of my credit file, it shows…
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Credit rating and DCAs
Hi All! I'm worried about my credit rating. While at university my landlord was found to not have an HMO licence and as a result my house-mates and I were evicted several months before the end of my tenancy agreement. The landlord was taken to court and ordered to repay me over £1200 (they have refused and so I am going to…
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Default added to CRF 2.5 years after last payment
Greetings, I am new to this forum so would like the opportunity to say hi and thanks for reading this. I have recently checked my credit file and I noticed that a debt I had with Welcome finance (Now being collected by MKDR, which I am in the process of having statute barred) has a default date of 1/1/10 and I know the…
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Payday Loan Credit file removal?
Hi I am going to be applying for a mortgage this year I used payday loans on 3 occasions last year, Jan Feb and March They were fully paid off on time. No late payments I know that mortgage underwriters hate payday loans and it could rule out any moragage chances I have no other debts on my credit file Has anyone on this…
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moorgate help
I had a credit card with HSBC in 2002 and on 2006 it was passed to metropolitan with a balance of £4482.97 at this time we went with a debt management company to help us set up a affordable monthly payment, with this HSBC put a default on our account. On February 2013 it was sold to Moorgate and still running with debt…
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Barclaycard moving goal posts!
Advice on the following would be very much appreciated. Today we received an email from Barclaycard saying that they were reducing our credit limit as of today! We telephoned and were told that it was a scam email and to ignore it. An hour later at 15.10 we received a text message saying that they were reducing our credit…
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Old partial settlement not appearing on report but causing trouble anyway
Hi all, I'm having a bit of trouble: I had a Citibank credit card which I settled in 2011. It has never shown up on my credit report. I'm currently applying for a mortgage and a couple of banks have turned me down saying they found a default. When I asked Experian to look into it, the discovered that this citicard is…
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Barclays Identity fraud
Someone have opened a account on my address using my middle name and last and same dob. I just realise when i got a statement on my my address and i was so worried about. I contacted experian and got to know they have a current account in my credit file including a credit card from barclays. Experian asked me to contact…
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Status 6 on credit file
Hi, I kind of hijacked another thread with this question - so I thought I would ask it in the correct manner: Hi, I went on a DMP in August 2008. I had a total of 8 x accounts (all now settled by the way) - and 6 of which went to 'Default' status. the other 2 (Natwest Loans and CL Finance) did not default according to my…
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Advice
Hello, Was just after some advice. Heres my current situation - I have a default on my account from 1/3/13 (date added) This was for a overdraft which was never re-paid. I have a credit score of just below 600. Would it be better to - A) pay this off in full? B) leave it and see if i can get the credit i want C)Pay this…
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Best Way Forward...
Hi Everyone, Not sure if this is the right place for this post but I have an account with VERY, they are always increasing my credit limit without notifying me and its currently at £7, 500!! I have never ever been anywhere near that limit, or even half of it... anyway I am due to pay off my account balance this month and…
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Linked former creditors
Hello Does anybody know where I can find an up-to-date list of which banks, bldg societies, cr card providers etc are linked & share information. Thanks
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o2 Credit Search??
Just looking for a little advice. Myself and my partner are trying to improve our credit scores as much as possible so that later in the year we can sort a remortgage. (I have already posted regarding some arrangements and 6 payments late I have on my file that I am trying to sort) but also my partners mobile contract is…
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Default Date Question
Hello and thanks in advance for your help. I had a dispute with Orange regarding payments and unwisely in 2012 I told them I would not pay until the issue was resolved. The matter never got resolved and so I chose not to pay, and as you can imagine it came back to bite me in the.. I had 282.52 unpaid, plus they charged me…
