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Newbie with credit score variance between providers
Hi This is my first post so please be gentle I decided to take a look at my credit report and credit score and chose Equifax as the provider. The outcome was a score of 524 which is labelled as "excellent" and says its above the UK average of 430. Great I thought, but then when I did a Google search to see where that…
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Repairing credit score after defaults
Hi, My credit report shows that I have 6 x 'defaults' on my file. 4 of these are due to come off (as it has been 6 x years since the default date) by the end of the year, whilst the other 2 will expire in May 2015. Have a few questions which I hope somebody will be able to help with! 1) Will my credit score improve when…
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Noddle
Morning Can any one tell me if i register for noodle online do you get instant online access once you sign up and does anyone know if they send anything to your home address once you sign up. ie pin number, financial deteils etc many thanks Golfer
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Can I get some of these removed?
I applied for a Santander Current Account. I checked my Experian report and see that Santander performed NINE credit checks on me all on the same day, all for the Current Account. I definitely only applied for the account ONCE. It's making my credit report look mental. Is there anything I can do to get these removed?
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Former creditor records
Hello I had an IVA & then went bankrupt when the IVA failed. The IVA is due to to fall off my CRA files this month & the discharged bankruptcy in March. All the credit agreements I had in the bankruptcy have defaults or satisfied entries against them with dates that reach the 6 year point between now & March. I will be…
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Help and advise with removing defaults...what's best course of action?
Hi all I have been reading a lot lately about ways to apply for a default to be removed. Some requesting copies hoping banks have miss layed paper work others bargaining offering settlement for removal. Does anyone have any success stories?? My concern with bartering is of they agree to remove the default I then settle and…
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Any help hugely appreciated
Hi All, I'm having a very hard time in getting a loan to purchase a car. I did have one previous loan for £1000, which I was to repay over 1 year. I ended up missing 4 payments on this due to going out of work, but immediately after finding work, I contacted the underwriters and agreed to pay extra each month so that the…
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Would someone clarify Minimum Payment query please :)
I've read on here if you pay even £1 more than minimum payment, this looks better to lenders as they can tell if your just paying the minimum each month on credit cards. I was wondering how much truth there is in this?
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Automatic disassociation after 6 years?
I have lived on my own at my current address for more than 6 years and my only financial associations have been those established at previous addresses. Would I need to file a notice of disassociation for the financial associates I had at my previous addresses, or would these have automatically disappeared after 6 years?…
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Mortgage Default vs CCJ
Hi My mortgage account on my credit file shows a default registered in February 2011 which was when the repossession order took effect. Before this I had a long history of arrears of 6 months, should I have been defaulted earlier or not? Thanks in advance for any advice.
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Santander Being a Pain - File clean up
Hi all, I went bankrupt in April 2008 and have spent the last 2 years (on and off) cleaning up my credit file. I'm almost there except for Santander. I had a joint current account with Alliance & Leicester (which belongs to the Santander group). I included the current account in section 5 of my bankruptcy petition (which…
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This came as a surprise
One of my credit cards has a much higher credit limit than I want or need. The card provider allows you to request an increase online, but not a reduction. So I messaged them. This was the response: "We are able to reduce your credit limit. Before we do this please note the following: Reducing your credit limit may have an…
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Discharged bankruptcy & tenancy credit references
I was discharged from bankruptcy in September 2007 and my credit file has been clear since September 2013. My credit rating is now high and classified as good. I have been renting properties since 2000 but they have always been private rentals. My partner and I are now earning well and want to move to a larger home. This…
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Re Halifax - What CRA do they use
Hi all Cant get access to my Callcredit file but the other 2 are OK. Csn anybody confirm if Halifax use Call Credit on there search for a Mortgage Cheers
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Should i cancel or not?
Hi all Im after some advice on whether i should cancel my unused credit cards. How will this affect my Credit rating? I have a few credit cards, but i only use one CC for purchases on a weekly basis. All the other credit cards have been used to do Balance Transfers at some point. Here is a break down: Lloyds Duo - use…
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Just found out about an erroneous CCJ
Hi Money Savers, Sorry if this is in the wrong place but I couldn't see where else it would fit. On Friday I received a copy of a letter from Bradford county court informing Leeds county court that a judgment against me was being refered to them as I no longer resided in the Bradford district. I've never resided in…
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'6 Payments late' query
I have a query around the '6 Payments late' red flag. I have a long standing debt with a company. For a short spell I stopped paying any repayments. The debt got passed over to a collection agency who work closely with the company I owe the debt to. With the help of the CAB I was able to agree small repayments of £15 pound…
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Thameswater joint account -> Financial Association?
Hi I would like to add the name of a family member to the Thameswater account. We share the same surname. I wonder whether this would create a financial association, which I am keen to avoid. Is Thameswater the same as all other lenders, or do special rules apply to them, by any chance? Chris
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Credit Reference item
I am new on this forum so be gentle with me. I am trying to improve my credit references but on getting the details of my account from one of the agencies have two major problems. I got into some financial difficulties around 2005 and paid some accounts but had to default on a few others. I have not contacted or paid…
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Dispute with Santander - Adjudicator's opinion fair?
After 2 years of wrangling with Santander over unfair charges on an overdraft, they have put a default on my credit file after agreeing to refund £377 in charges. I've rung one department after another (collections, complaints, debt management) over a long period of time trying to discuss the matter but no-one seemed to…
