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CCJ's after 6 years
I understand that CCJ's disappear after 6 years. If I then apply for a mortgage does it mean that no one will ever know I had CCJ's. In general I start with a clear file ?? Also, what if i'm still paying off the original default amount - what happens - does it still come off my file ? Will anyone know about it ?? Any help…
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Husbands (soon to be ex) Debt
Ive been with my parter 10 years, married for 4, split up 1 year ago. Throughout our ten years my husband has had a serious gambling problem. He had approx £40k in unsecured loans in his name prior to our relationship that I did not know about. Which he decided while we were together, to stop paying back. After years of…
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Will an arrangement have a negative effect on my credit rating?
A few years ago i was made redundant and came to an arrangement with my credit card company (Vanquis) that I would pay an affordable amount (£40) on to the credit card which would be increased when my financial situation improves. When i was working to called to say that i was working and we could end the arrangement. I…
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Do DVLA Report Address Changes To Experian?
Or to any of the CRA's really?.... I know DVLA doesn't represent any kind of credit agreement, but Experian et al seem to have access to so many different databases I wondered if they had access to DVLA too?
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CCJ Satisfied and expired do I need to tell?
My CCJ had been settled and should come off of my credit history in a few months (It will be 6 years on the 28th March) I would like to purchase a house through the part buy part rent scheme and I was wondering if I would need to tell the mortgage provider that I had the CCj
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Jacamo?
Hi Guys, so I have an account with Jacamo, (Jacamo are responsible lenders). I've had a few accounts with them, once about a year ago, £125 credit limit, I paid it off slowly then I lost my part time job & I couldn't pay it so it built up and built up and then I had a little win on the lotto, paid it off and they closed…
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Not on the Electoral Roll
I've raised a dispute with Noddle over this, but I'm not actually sure how I go around correcting it. I've been on the Electoral Roll at my current address since mid 2010 - how do I go around providing this information to Noddle and getting them to update their records?
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Does anyone actually report to Equifax?
Off the top of my head I can think of at least 4 Credit agreements that I have (2 current accounts with 2 different banks, 1 credit card and 1 mobile phone contract), and Equifax has absolutely no information on any of them. Is this normal?
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Halifax not updating CRAs
Hi, as a newbie I'm hoping I can get some advice please.... I have a Halifax credit card which I was using at the start of 2013. I had a car accident and was off work for 5 months, as I wasn't being paid I used my credit card for living expenses. My limit was £6000, I went up to £5200 of the available credit. I paid every…
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Defaulted Natwest Account on my Credit File
I have a defaulted account on my credit file from Natwest. This Natwest account was settled through an IVA that I have now completed. Natwest accepted this as full and final settlement of the account and have not asked me to pay any more money. The balance owing to Natwest is now showing as zero on my credit file but the…
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Ford Options
Hello everyone I hope someone could give me a little bit of advice. I have a Ford KA on the Ford options and am coming up to my two years and am almost 50% through. Times are getting a little hard at the moment and am looking to get a mortgage soon so decided to cut my loses and just give the car back. Now when speaking…
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CCJ - Less than 14 days’ notice
Hello All, My girlfriend received a CCJ N1 Claim form, but received little warning. It was for rent arrears (approx. £1063), but she has moved 3 times since then. So they have probably been sending the paperwork to the wrong address. The first letter arrived around the 9th of Jan. It was a "final notice" letter, nothing…
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Help - mistake on credit file = mortgage rejection
We have just been rejected for a mortgage application due to a mistake on my credit file and urgently need some advice about what my next step should be.... We have had an offer accepted on a property, but have just found out that HSBC have rejected our mortgage application. This was due to a huge mistake relating to an…
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Help with credit records
Hi, I've just been reading a few threads on here about the six month arrears/default things and it prompted me to have a look on my own file (I don't usually because it's depressing). My question is, I have a CCJ which was logged in August 2012 for a credit card that was transferred to a DCA. The DCA did the whole…
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Why so long to long a default?
I missed the minimum payment 3 times in succession in 2005. My credit report shows this. It also show account paid up and cleared on the 4th month. Thing is they logged a default on the account in 2008 meaning it still (until December) affects my credit score. Are they allowed to wait 3 years to log the default as it seems…
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My CCJ expires on 29th but when will it disappear?
I have a CCJ on my Experian report which was issued on 29th January 2008 so it will be 6 years next week. It has already disappeared from my Equifax report (last week) but I need a credit card as I am travelling to the US on business in the first week of Feb and I need to hire a car. I dont want to apply if my CCJ is still…
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Phone company chasing me unfairly - advice needed
Hi, I'm new to this and not too sure what else to do. Two years ago my phone was stolen, and the thief had ran up hundreds of pounds worth of phone calls on my account. At the time, I was told by the billing department of my phone company that I was not liable for the charges because the crime number etc corresponded with…
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Settling a Default
I've checked my credit file with Noddle for the first time in a while today. On there is a default from an old bank account I had, I didn't realise I owed them anything and haven't received anything in the post from them regarding it - however I moved house around the same time so thats probably why. The Default is from…
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Defaults showing after Bankruptcy?
I was declared Bankrupt in June 2010, I have several defaults showing in the months following Bancruptcy, even though they were included. I had lots of accounts that were taken into consideration but none of them show on my credit file apart from those few, should they still be showing on my file or have they crept through…
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Getting Canadian credit report from UK
Hey guys, I have a pretty unique situation I was hoping you could help me with. I need to get a Canadian credit check for a new job in banking as I lived there for 4 years. I have looked online and everywhere I have looked requires me to have a current canadian address in order to get a credit report. Is it possible that I…
