-
Bad advice ruined my credit file
Hi there, Ive just applied for a loan to try and consolidate a few debts And reduce my monthly payments but it was declined. I've just checked on my credit file and its showing a red mark against an orange contract I had 2 years ago. At the time I went on holiday and stupidly didn't turn off my data roaming so I was landed…
-
Missing items on credit file
Hi all, I have a car hire purchase agreement in place, been going since 2011 and will end next year after years. I have never missed or been late in paying, and I would hope that this would have a positive effect on my credit rating. However, the loan doesn't appear with Experian or Equifax. Does anyone know why and can I…
-
Money off voucher for an old debt?
Hi all, Yesterday I received a money off voucher for a very old debt. The debt is £319 (the reminders etc were going to the wrong address) but Aktiv Capital have given me a voucher for £288, meaning I pay £31 to clear the debt. Are these vouchers legitimate? Would the firm come after me at a later date to collect the…
-
Debt free - credit rating?
Help! I have a new mobile phone and want to use it abroad. When I called up the provider, they said that as there was no history for me, I would have to pay a£200 deposit. I am not at all happy about this. The problem seems boils down to the fact that as I have paid off my mortgage, have no loans, no outstanding debts of…
-
Mbna credit card late payment problems
Guys Just printed off my husbands credit report to see Mbna has All of 2010' 2 months of 2009 and three months of 2011 coming up as late payment. All payments was DD set up :/ But what I find odd (maybe its not) on the little boxes it states 7 of the months coming up as twice late payment ie October 2010 has a 2 in it. Do…
-
Question about incorrect data on report
Hi, I hope someone may be able to help advise me. I have checked my credit history and nothing adverse on there. However there is a store card taken out ten years ago which I was under the impression would have been cancelled as the store in question closed two years later. They have still reported up to Dec 2013. Apart…
-
CCJ Black Horse! Help please!
Hi all, Back in 2005 i defaulted on car finance from Black Horse which resulted in me sending the car back to them, and i was left with £8000 to pay back and a CCJ. I started paying them back at £50 per month and then increased to £100 per month once my financial situation improved. I was expecting this to be removed from…
-
Credit check done opening bank account?
Hi, I plan to apply for a mortgage within a few months and intended to follow the advice not to apply for too much credit in the months before. I already had a current account with Santander and in January I applied for another bank account with an overdraft facility for joint bills (a switch from HSBC). I also applied for…
-
Applying for a cashback card?
Hi I was wondering - If myself and my wife were to apply for a cash back card, would it affect our credit rating, in regards to applying for a mortgage at the end of this year? We like the idea of using a cash back card, though we are weary of the chance of being turned down and it looking bad for us when we apply for a…
-
credit expert
I have just signed into this and paid for the month. there is no record of any of the loans credit cards or anything else. just 1 debt - satisfied to virgin media. I do have a lot of creditors but was shocked to find nothing there. Could this be because they dont have an up to date address for me? I have put my address in…
-
Company has no record of my debt
Hello, I've posted this here as it's related to my credit report but feel free to move it if somewhere is more relevant. I have a defaulted debt from 2009 with Lloyds TSB from a unpaid back overdraft, I was paying this back monthly for awhile but stupidly I moved house, forgot about it and never jumped back on it as I…
-
Decreasing available credit limits before applying for mortgage
Hello all. I'm going to be applying for a mortgage in about 2 months time. I've got 2 credit cards and an overdraft that I've never used more than about 25% of the available balances. Should I bring the limits down if i'm not using them? And would this be a positive thing to lenders, as my possibility of indebtedness…
-
Financial disassociation? Old British Gas account?
Hello! A little help needed on an old account which shows up as a financial association on my credit file on Noddle. When I lived with my ex the British gas account was in both our names. This was 'last confirmed' on 10/07/2011, and the account was always up to date and is now long closed. I am currently saving for a…
-
Advice please re: credit file mortgage application
Hi I'm new here. I hope I'm posting in the right place :/ So my husband and I have put an offer in on a house and it's been accepted. We at first time buyers and have arranged an appointment for our mortgage application with natwest (who we both bank with and have done for years) next Tuesday. I thought I'd check our…
-
Advice please, before debt recovery agency get involved
Hi, I am a member of a worldwide branded gym franchise. I pay £57 per month for the privilege. Their main method of contact is email and facebook. I stopped going to this gym a while ago, so decided to suspend my direct debits. I wrote to the company via facebook at the same time (Jan) and they replied saying not to worry…
-
AP/DMP markers VS defaults
Hi there, just wondering if anyone will be able to help me, long time lurker here and I hope I'm in the right thread. I am on a DMP with Payplan and have been for around 3/4 months, really want to get all my debt paid and this should be done by start 2017 which is fab news for me! However, the whole point of doing the DMP…
-
Late payment markers used instead of default
I had a car finance agreement with Paragon in 2003. I went to live and work abroad. Paragon was advised and the car returned. I was not contacted by Paragon before I left to say there was an outstanding balance on the finance agreement. I returned to the Uk 1 week ago. On my Equifax credit file Paragon has been recording a…
-
A CCJ is worth what in points
After finishing an IVA last year I found on my credit reports that a CCJ had incorrectly been applied to me 18 months after the IVA started and was also a debt that was already included in the IVA. After a lot of hard work I have finally this week had confirmation from the court that the CCJ has now been set aside. I am…
-
Lloyds Classic Account reporting
Hi, Can anyone confirm if the Lloyds Classic Account conduct is reported to Experian? I thought it would have been on there but it's not. Thanks,
-
ccj
Haw long does a ccj stop on file for I have one on from over 2 years ago I carnt find out what its for or who from its for £750 it says its active or live thing it I am trying for a mortgage can enyone help
