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Defaults, late payments and fairly poor credit score
Looking for some advise! Was horrified to check my credit experia and see a score of 471 and a fairly poor status. Looking for advise how to improve this as quick as possible. Due to personal circumstances over the last year I fell by the way side and didn't pay my credit cards on time which resulted in 3 defaults against…
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Electoral Roll
Hi Guys, I own a house in Leeds and have been living in London for a few years while renting my property in Leeds. Im planning on moving back in the next month and applying for some credit once i do. Im thinking about registering on the electoral roll at my Leeds address early, before i actually move in. To make sure im on…
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Guidance on default dates / challenging the dates
I entered a dmp in Dec 07 with Payplan and then took over it myself in 2009. Most of the creditors defaulted the debt in 2008. 2 (Debenhams- GE Finance and Barclaycard) didn't default them until late 2009 and August 2010. Most are now due to fall of my file within the next year except these two which will be on there for…
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Statute Barred Debt in Scotland
About 6.5 years ago I was self employed. I put about 11-12 customers to a local shed builder (the customers were all dealing with him direct). One of these customers didn't pay, which I knew about but it was nothing to do with me as I had only given a recommendation. Last week I received a demand from a debt collecting…
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Style 6 payment late status contd
Good evening to everyone here on the forum. Just wanted to update you guys who gave me the brilliant advice on how to deal with a 6 payment late status on my credit report for at least 6 years. After 3 recorded letters and 2 phone calls to Style they called me today to state that the account should have defaulted in 2004…
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Confused about credit reference agencies
Over the past year or so I have been working on improving and tidying up my credit profile by using Experian but tonight I came across Noddle which has given me a rating of 2/5. They had my old address on it which I've updated now so will this improve my score? I couldn't see anything else on it which would have a negative…
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Statute barred debt
If I have a credit score and report which is fair, could a statute barred debt affect obtaining credit in the future? I read on a thread on this site somewhere that statute barred debt would have to be declared in a mortgage application (even thought is can't be seen on file), and now I am worried that the work I have put…
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Perfect Credit but cant get any?
Hi everyone, I could do with some advice on how I might be able to get more information on what lenders don't seem to like about me. I monitor my credit very closely on both Equifax and Experians online systems. I score Excellent on both 467/500 on Equifax and 974/999 on Experian. I earn what would be considered slightly…
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IVA off my credit file
Hi There, I'm a 30 year old accountant with bipolar and during a period of depression when i was out of work I signed into an IVA in may 2013, one I didnt need to as I soon got a job thereafter on 50k, I subsequently cancelled the IVA and have cleared most of the debt but the IVA is still on my file and I cant get credit…
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Credit Searches
I have credit searches showing on my Noddle report on the 27th May 2013 and 27th May 2012. There are 4 showing in 2012 and 5 showing in 2013. These searches state they are 'general insurance' but these searches have been made at my Mums address which I haven't lived at for 3 and a half years! The only thing I can think of…
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Which Credit is best?
Hi I am registered with Checkmyfile, and have been a member of Experian years ago. My question is which is the best or are they the same? Checkmyfile payment seems a little easier as Experian used to overcharge at every login! Thanks MrA
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CCJ and Credit card.
I just wanted some advise from anyone who has gone through the same as myself. I recieved a CCJ 12/2010, unfortunately in October 2012 I had to go bankrupt, I was discharged from bankruptcy october 2013 and all my creditors on all my credit files have marked as settled or satisfied. Everything seems up to date. I am on the…
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British Gas - Too quick to blacklist?
Hi In October I moved into a new house, which had British Gas as a supplier, so when we moved in we didnt have to wait for Gas. Just after Xmas & New year, we received the 1st quarterly bill. Now as this came in the 1st week of january & us not having any idea when the bill was coming, it did come as a surprise as you…
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car loan
Hi, I wonder whether anyone can give their opinion please. This will sound very naive. However, 8 years ago I became bankrupt. Since that time I have only used a cash account and still do so. (it doesnt pose me any problems and it is one way of being completely unable to go overdrawn or owe money to anyone) Experian told…
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Does a credit report take into account amounts?
I put a £2 payment on a credit card a few months ago just to activate it, then promptly forgot about it as I didnt need to use it. I then moved house a few weeks later, and told everyone other than that credit card company. The first time it even crossed my mind was three months later - I paid off the balance no problem,…
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Information Older Than 6 Years
As a general rule will there be any information showing on a persons credit file that is older than 6 years? Or does litterally anything beyond 6 years from today IE 19/02/2008 just not be on there?
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DRO discharge, how to clean up file?
Hi guys, I did ask this question a few months ago but can't find the thread!! I have recently been discharged from my DRO and was wondering what, if anything, I need to do now? I would love to start repairing my credit, we have worked hard to get our spending under control and stop being so delinquent, but can't remember…
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MBNA credit card...
My credit report on Noddle shows up a credit card from 2009 with MBNA (£0 balance and up to date) - but I have NO idea what it is, i.e. I have no memory of what card it is. I am usually really good at closing cards so am surprised to see this. How do I close with little information???
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Advice on Settlements
I had defaults on accounts that I have had payment arrangements with for the past 6 years. The last default drops off my file in April (some have already gone). I have not cleared any of these balances (Even the defaults that have dropped off) I make set payments each month as a token & at this rate it will be 20+ years…
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Defaults and credit file
Hi I am after some advise. I got into some financial problems when my relatinship ended years ago and as a result I defaulted on all my credit cards and loan I had at the time. All were defaulted passed to collection agencies and I have been paying since. Out of the 7 I defaulted on all are almost off my credit report and…
