-
Arrangement to Pay
Hi, I have an arrangement to pay marker on my account for 4 months, starting February 2009. I'm piecing together the information now and from what i gather is that i had gone over my credit limit by £20. They rang and offered to increase my limit temporarily until the credit card bill is reduced. Naively i agreed, there…
-
House demolished effected my credit rating?
Hi all... I am just after some advice as I have tried to sign up to noddle to check my credit rating. I could not do this as I have only lived in my current property for 3 years and my previous adress has been demolished and a new housing estate built as a result royal mail no longer show my previous address which is how…
-
Missing Agreements
Hi all, Quick question as I can't find the answer anywhere! When I view my Equifax file I am missing old settled accounts/agreements which were at previous addresses but are still within the 6 year cut off, I only have my current address and previous 2 listed whereas on Experian I can see my entire Address history from the…
-
Small glitch affecting my credit rating?
Hi all, Bit of advise needed please. Can you tell me if this is worth not worrying/being annoyed about? I underpaid the payment on one of my credit cards by £8 (error on my part- I have only recently used the card again and I misread my statement on their website) . As soon as they alerted me to this I made the further…
-
Credit Reports, How does it all start?
Hi, just a quickie. I was just wondering how your credit file starts if you have never had credit. Lets say i've just turned 18, never had a bank account and never had any credit. I register on the Electoral Roll does my credit file start from that point when the CRA updates their records with the new register? Or is it…
-
Help Advice needed for my credit profile
Hello, I have recently opened a balance/money transfer card that I found on this website, my credit rating is poor/fair according to credit expert. I have transferred an overdraft balance to the 0% card and also a credit card balance to the 0% card, all my debt is now in one place and i have set up a Direct debit for more…
-
Tips on improving credit score?
Hi I'm trying to improve my credit score with Experian and Equifax and wondered if anyone had tips? So far I've registered to vote at my new address, checked the above for errors and none are present. I am currently repaying credit card debts at £800 per month, so should owe nothing by the end of the year. I have no CCJs,…
-
DMP and credit rating
From 2005-2012 I was in a DMP which I settled all 5 debts in December 2012. Today I went and got a copy of my credit score/rating and none of my 5 past debts wasnt on there. I thought if you were on a DMP that it was held on your file for 6 yrs after the final settlement?
-
High percentage of debt.
I have a problem on my credit report which is stopping me from being able to get a mortgage, which is as follows. I understand why it is a problem, but my question is this. If i were to pay off all my debt over night, would I then be able to go get a mortgage? Or would the case be that having been in that situation it…
-
Experian - Secrets of Your Credit Rating - Channel 4 Dispatches
http://www.radiotimes.com/episode/cs5wpg/dispatches--secrets-of-your-credit-rating---channel-4-dispatches On now on C4.# On 4oD here: http://www.channel4.com/programmes/dispatches/4od#3658627
-
Is a 780 credit rating good?
I just did a credit check with experian and they gave me 780, but I can't get a credit card. I'm not sure why.
-
Credit file from scratch.
how long do u people think i should wait before applying for a CC. A bit about me. Have no credit history so started 2 months ago. this is what is currently showing on the credit file with equifax and experian BT o2 Current account All accounts showing 1 month history next to each, o2 is showing as 2 seperate accounts one…
-
Can someone Please give me some advise
Right here go's i want to apply for a credit card but there are a few things that would probably go against me my score on my credit file is 752 i am unemployed at the moment but there is income coming into the household as my husband is working is there a credit card available for unemployed people , i do not want to…
-
natwest and experien reporting issues could minimum payments on a 0% card
Hi all have got my credit reports ordered, usually get them every six months or so to make sure no errors. however i have noticed that my credit card with opened with natwest in October is showing on experien as only paying minimum balance, and does not show a promotional rate marker. could this cause any problems? should…
-
Remove negative factors from experian credit report
Dear fellow money savers, I have recently been declined for a mortgage and so checked my credit rating with experian. They rate me as good, with a few negative factors. Which I have questions about ... 1.) A few recent credit searches. I've just started earning after completing a PhD and have been opening a few current…
-
How to get credit score if I live outside the uk?
Hello - my first post - so I say hi... Hopefully someone could give me some advice on something that I need to do... I currently live outside the UK and have done for the last 5 years - I am thinking of moving back to the UK and am planning my move - but I would like to see my Credit Score. The thing is that all the sites…
-
Experian being awkward?
Hi everyone! Just wondering what advice you guys would have in my situation... Basically, my credit files have been matched (through 'linked addresses') with someone else's, even with a different date of birth. I have got in contact with CallCredit, Equifax and Experian to get this corrected. CC and EQ removed the link…
-
partners credit affected by mine??
Hi. I live in the UK Does my poor credit affect my boyfriends good rating? We live together and applied for tax credits for our children. We had to open a joint bank account for this purpose. We only use this bank account for transferring money into my other current account for bills etc. We have no other links, mortgage…
-
Build up Credit Rating Without Right to Reside
Hi, I have tried to do my own research on this but haven't been able to find a definite answer so I am hoping someone here might have experience. My girlfriend is currently studying here and will be in the UK for another 3 years or so. She is paid from a stipend from her (Mexican) government. Following her graduation she…
-
Improve Kids credit rating...Thoughts?
Hi Just looking for any pitfalls in my cunning plan.... We have two kids 24 and 20 who hope to get a mortgage in next couple of years. Both have current accounts with debit cards but no loans and credit cards as I have stressed over the years they are the work of the Devil, although I have them myself (typical parent…
