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Finding old CCJ info
Stupid question time... Is it possible to find info on old CCJs, past 6 years old? Long story short, I had a bit of an illness years back now which rendered me pretty much useless to the world so my memories of this period are fuzzy at best. I had debt, which was all paid off over time, and I have vague recollections of…
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Don't want to damage my good score!
Hi, hope you guys out there can offer some advice. I have recently got my Experian credit score, its showing as over 900 and "Good". I have two positive factors on there, "The usage of your available credit indicates a lower risk" and "You have no recent searches on your credit report" The negative points are, "You have no…
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Renting with an IVA payer - will my rating be affected?
Hi everyone, This is the first time I've posted here. My brother and I are looking for a place to rent together. I have a good credit rating, but my brother is in his first year of an IVA. If we rent a place together, with both our names on the lease (and therefore the energy bills) will my credit rating be adversely…
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Barclaycard arrangements to pay
I have been in a dmp for 3 years with payplan and have 3 barclaycard debts included in this plan. Three years ago Barclaycard marked these accounts with AP markers which I belive will stay on my credit file for 7 years after the debts have been settled. I phoned Barclaycard today to ask them if they would default these…
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Help
Hi All, In 2011 my wife was on Maternity leave, whilst in a conversation with MINT they asked her if she wished to reduce the payment over the period of a few months while she was on a lower income, she thought why not it isnt doing any harm and was actually paying off just slightly less a month. After checking her credit…
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Can I default that's dropped off credit file, appear again?
Hi, I have an old M&S credit card, which I defaulted on in 2003/2004. It hasn't appeared on my credit file for years but I have continued to pay it my direct debit to Capquest (they bought the debt). I wanted to pay it off as I built the debt up but now it is nearly paid off, £400 left, I thought I would just settle it in…
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multiple searches
Tonight, I thought of looking through my spam folder an invite from some company but to my surprise, there are a lot of alerts about search on my credit file. I only have two credit cards both of which are Barclays. I have never applied for anything big in amount in the last year or more. My previous loan from Barclays was…
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Lloyds Internal Credit Rating
Hello I went into the Lloyds branch today to see why I was unable to get a loan. They told me the following: I have a risk rating of 5 I have an Indebtedness rating of 11 They would not tell me the range of the scales or any other information. Can anyone shed any light on this? Thanks Mark
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Debt after 6/7 years
What happens to your credit score after 6 years of debt? And what happens to a CCJ? After the date does it just drop off your file?
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Wildly different credit scores
Hello, I have a quick question - as research for a work project I checked my credit scores with the 3 main credit agencies and discovered something rather alarming about my credit score. Namely that whilst my Experian and credit scores are registered as Good/Excellent, my noddle score is VERY POOR?! I have an ancient…
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Recording of a default
Hello, In 2008 we ran into difficulties and came to agreements with the 4 or 5 credit cards we had at that time, we came to payment arrangements with all of them without a problem except Mint. Even though they accepted the pro-rata payment, they insisted on putting a default notice on the account. The default was in…
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BT Sport (standard Sky only)
Hi, This relates to a BT Sport subscription only (ie. no phone/broadband) Anyone know whether this is: 1. credit checked (can't see anything on my Equifax or Experian) 2. Reported to the agencies on a monthly basis Thanks.
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Cabot Financial double entry judgement on credit file and harrassment HELP!
I'm a newbie to this so I apologise for the long explanation but I am at my wits end. Back in 2004 I had a car on HP from Online Finance, it got written off 6 months after I got it and I had a payout that did not settle the balance owing. I had no gap insurance as this was not offered to me and I did not know it existed.…
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Capital One and CRA file descrepancies
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Electoral roll not shown up on Noddle yet
Moved last year and filled in the yearly form when it was sent to me. Have confirmed that this was received and I'm now on the electoral roll. Still hasn't shown up on my Noddle report yet. Any idea how much longer I might have to wait?
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refused catalogue credit account?
Hi, I was wondering if anyone could help me. I have just applied for an account with Very Catalogue as i have seen some furniture for my bedroom which i have liked for a while which is now at a greatly reduced price and thought i could take advantage of the buy now pay in 12months free credit (my plan was to pay £50per…
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Lesson learnt...
Hey guys, Great forum. Full of so much info. Background- 24, earn good money, saved up 20k for a deposit on a apartment in Cardiff bay. Apply for a mortgage and I couldn't get one. I signed up for experian credit report. And I have a outstanding ccj I didn't know about :eek: £160 parking fine from parking eye company. I've…
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SAR and Halifax default
Hi guys I am writing to Halifax re unfair default made up of unfair charges. I have been told I need to send a SAR. Can anyone tell me what this is please and how it will help? Thank you x
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Admitted: Halifax hike the minimum contractual payment when you enter a payment plan
About 18 months ago, i was unfairly dismissed from my job. I got some money which began to run out around April of 2013. About the same time, I finaly got a job offer so just needed short term help while I got back on top of things. I approached all the people I owed money to and almost all were fine and arranged payment…
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Lloyds Bank requesting £7k debt after 3 years-help!
Hi, I received a letter today from Lloyds Bank recoveries dept stating I have an opening balance of £7k and the same closing balance. They have not charged me anything and its the first letter I have had from them in over 3 years. I have previously had a CCJ with them which was paid off for a lower than this amount over 12…
