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receiving £2 statutory credit report
Started ordering the statutory credit reports and have requested them online. Done 1 so far (Equifax) and then had a bad thought - they won't also be sent out to the postal address will they? Already been on the phone to them earlier but whether they would be posted out as well as being available online didn't even occur…
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Credit Score decline due to 'in arrears' which is incorrect...
Looking to apply for a mortgage in the next few days as we have an offer accepted. We had a missed payment fiasco with a company, and made payment 7 days late, due to a direct debit issue. However, they sent us a letter dated a few days after saying thank you for the payment, but another was owed?! We rang and were told…
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Can default be registered on a disputed account?
Hi - my Oh has two credit cards which haven't been paid since 2009. He requested a copy of the CCA's which neither were able to supply. Barclaycard marked the account as 'closed' and 'satisfied' after this. The other one was Cabot who took him to court, at the first hearing we argued that we hadn't seen any valid CCA and…
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No successfully settled credit account?
Having just logged into my free trial period of Experian Credit Check the above is noted as a negative factor in my credit rating. I have had a bank loan with my current bank that was repaid in full a couple of years back, does this not count as a succesfully settled credit account? If it does and it's absent from my…
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Credit rating and delinquent accounts
Hello, I am new to the MSE forums and this is my first post. I have a few questions about my credit file that the man at Experian was unable to answer. I have an open loan with Provident Finance (bad idea, avoid) and the agent keeps "forgetting" to come to my house resulting in me having a number of late payments on my…
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Mortgage DIP/AIP Halifax but late payments on credit file - continue with full app?
Hi I'm hoping someone can help me with this. I have put an offer in on a property which has been accepted. My mortgage broker has got me a Decision In Principle with Halifax for more than the amount of mortgage I need. I am now ready to continue with a full application although I have checked my Experian credit file and I…
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CIFAS marker - affects 'joint' person?
Copied from my other post - can anyone clarify how one party registering with CIFAS affects the other person in a financial association (not sure if this is the right term). Something on another thread made me wonder how the CIFAS marker affects the other person in a (soon to be ex) relationship. They are still married…
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when does the 6 years run from?
I'm struggling with understanding defaults Does the 6 years they stay on your file run from the date that you defaulted or the date you settled?
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Credit Ruined By Bank Misconduct
Hi all, I am coming here as I have finally got my credit report back following a couple of attempts at getting this whole thing sorted out but it seems that I am having to fight with all of this again! Basically, I used to bank with Natwest and had done for a number of years however after meeting my partner the account sat…
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WHO USES WHICH CRAs
Hello Does anybody know which Cr Ref Agencies different lenders use? The only list i could find is from 2008 so does anybody know of more up-to-date version. Thanks
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Credit rating affected by bank status
I recently went to check my credit rating in preparation for applying for a mortgage and Santander had changed my status for the four years that i have had the account, to deceased. which obviously i am not! I then went in to my local branch and they said that they had noticed this three weeks previously and changed it,…
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Natwest O/D charges default of £906
Good evening all, I wonder if you can lend me some guidance please? I have lots of bad marks on my credit report and I have vowed to strengthen my credit standing this year. I used to have an account with Natwest and in July 2011, they registered a default of £906 against me from an unarranged overdraft charge. It all…
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Equifax warning
Hi - I signed up for free trial, and one of my credit agreements (mortgage) is showing caution and "Fair" rating due to 1 late payment - I think I was switching current accounts -it was paid within about 7 days . As this is a mortgage , and the tern still has 20 years to run, will it say on my file for the duration? Will…
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Updating credit file?
Anyone know what date credit files update? I paid off all our outstanding store cards, next directory and overdrafts at the beginning of last month in a hope that our credit files will improve before we try and apply for a mortgage at the end of summer/autumn time. I have a default on mine which is due to drop off next…
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Cleaning up your credit score
15 months ago, I was issued a DRO. I now have no debts. Is there a way to clearing your history?
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Credit score
I recently applied for a mortgage with the halifax an got an aip, I have been back today an been declined coz it's gone from b to c. The only difference on my credit score is a late payment which wasn't actually a late payment I paid it early before the statement date had passed so it went through as 2 payments for the…
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credit score
hiya, I have a credit score of 726....and one default on my account, which is now settled,,,,and have no debt what so ever, looking to apply for a mortgage for a house.....will this affect my applications.....also have around 40k to put down as a deposit for new property....
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Santander error on credit files
Hello I believe my credit files are incorrect, as they show a now settled account for a Santander CC as follows: Aug: £2038 (credit limit £2000) Sept: £2040 (payment £400) Oct: £2040 (payment £400) Nov: Oct £2040 (payment £400) I have checked with my bank and there is a payment of £1978.something on September 17th,…
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welcome finance & my credit score
I was placed into bankruptcy in 2001, it was a five year order (the shortest available at the time), as of last July I became 6 years clear of the end of the bankruptcy. In 2007 I took out a small loan with Welcome Finance to purchase a vehicle, the loan was over 2 years, paid on time each month and settled in time. This…
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Old Credit card still defaulting after nearly 10 years??
Hi all I have recently gone to apply for a credit card after many many years not wanting another one and have been declined. I did a credit report through Noddle and found I have a credit card which I signed up for in 2003 with barclaycard still on my record. As far as i remember the account was cancelled by the bank in…
