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How long does it take for CCJ to be removed/marked as satisfied?
I was issued a ccj on 12th December, this was paid off within 28 days and I have sent off the paperwork to the court confirming this. As per the information on the ccj if paid it will be removed if done within a month. My question is does anyone know how long it takes for the court to pass this to the registry who in turn…
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Perfect payment history but score is only 2/5 on Noddle?!
Hello, This is my first post so I don't really know what I'm doing but I hope someone is able to give a better understanding of my issue! I've just signed up to Noddle to check my credit rating. It's given me a rating of 2/5 in the colour green (not sure if that means anything) I've checked all my history and everything is…
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Would I be best advised to (pay off) and close my 0% student OD?
I have a Student OD for 1.5k, student CC with 1.25k limit, capital one £500 and a Luma with £750 limit. So total of 4k credit. I am stoozing around £500 on a 0% Capital 1 card till May and haven't used my Luma since November! I've decided to stop stoozing my OD now, however should I go further and close it altogether? I…
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Received Debt Collection Letter - No idea why
My son has just moved back in with us and has received a debt collection letter from a company that states the debt is related to Eon. My son recently vacated a rental accomodation after 6 months but has never used Eon as his utility supplier. We suspect the debt relates to the previous occupier but as the letter is from…
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Is it only me having problems with Call Credit
After dealing with this micky mouse company has any body else had the dealings with there rubbish customer service. ? All you get is 28 days this, 28 days that, they dont care if the data is incorrect. Please let me know
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Grrr Financial Associations
I have had in the past several joint accounts with my wife which are now closed, she has adverse credit and I am trying to get the financial links removed as I want to apply for a new mortgage. The mortgage has always been in my sole name for the past 10+ years, I have sent letters to both banks (Barclays and Natwest) and…
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Natwest - Removing a default
Natwest student account default: Amount: £1300 Date: October 2009 Debt sold on by Natwest: Balance paid back in full by Dec 2010 Experian has it listed as satisfied? I am hoping someone can help me in removing this default (assuming it is possible). After 3 years of having this account I was contacted by Natwest telling me…
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solicitor letters
Hi Im new on here and this is my first post so dont know if it is on the right page etc i have just recieved a letter from a solicitor on behalf of Lowell from a debt by Fredricksons they are saying i have a £400 debt which i have to pay by the 28/1/14 or legal procedings will start and a CCJ could be issued The thing is i…
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Would CCJ appear on all credit checks?
Hi all, My OH had a CCJ a number of years ago, and as we're planning to apply to rent a new property soon and know we'll be credit checked, I'd like to know if the CCJ is still there as he can't remember exactly when it was and so may be over 6 years old. We checked Noddle and it showed no CCJs, so does this mean that it…
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Joint account may ruin my credit rating
I have a very good credit rating - checked experience and have had no problems gaining credit when needed. Recently partner has been accused of running up £8,000 on a credit card 5 years ago and not paying it off. We are challenging it but have been told in last letter that I may become involved as we share a joint account…
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6 Year old debts
Can debts older than 6 years that don't appear on your credit report effect the credit score?
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CCJ's
Hi, Upon looking at my credit file I have noticed a CCJ from 2012 how can I find out who this is for and make arrangements to pay it?
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Credit Refused on an excellent credit score
I've been trying to consolidate my credit card debt for some time now and my bank has been spectacularly unhelpful (comments such as go and ask tesco or sainsbury for a loan because we will not give you a loan) and I've tried to get a new bank because I'm fed up of the poor customer service and total disinterest from my…
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Experian - "Recent missed payment"
I've just looked at my credit history with Experian and it says "You have recent missed payments on your credit report" What counts as "recent"? Because there's certainly none on there in the last 6 months... Thanks
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does my credit report hold correct info
In july I paid off my 2 credit cards in full that had been referred to viking and mercers (debt collection). I have just checked my credit file and one of them has marked it as satified and not settled as well as each month from jan 2012 to july 2013 as a D in red for default, id have thought it should be down as settled…
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Credit agency - info?
Hi I wasn't able to find the answer to my question in other threads so here Iam.. I have just checked my credit file with both equifax and check my file.com(which says it's a multi agency site?), They both say i have the same amount of creditors and a similar score, Now am I correct in thinking that there could be other…
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Can bank see credit report without consent?
Hi. Does anyone know if banks can look at our credit reports without our consent? I am having a meeting with my bank this week, and I want to know if they will already know the data/list of creditors from my report, or if they can only do a search of my credit report with my consent/permission. Thanks!
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How to make yourself look 'profitable' to a lender
In the MSE credit report/score guide, there is a small section explaining how your likelihood of being profitable to a lender is as important as risk. It doesn't go on to say how you can achieve this. I have direct debits set up to pay my cards in full and have never borrowed on them - does this make me unattractive to…
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Credit file blocking job opportunities
Hi, Hi, I've posted this in employment also but hoped to get a variety of responses Having recently been made redundant I am finding it really frustrating that despite my high skill set, professional qualifications and over 10 years of experience in the banking industry, I am being turned down left, right and centre…
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Credit File Address
Hello, This is my first post and hope someone can help! We moved to a new flat in September and it is basically a converted house (2 flats). The address we have for the electoral role is wrote as 1st floor flt, 34 Smith Gardens, AD12 3EF (I've used an example) and on most other things it reads 34 Smith Gardens, First floor…
