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Default on my Noddle Credit Score
Dear all, I was hoping to apply for a mortgage in the next 5-6 months and took a look at Noodle. My credit score was 2/5 with one default from Natwest Credit Card. National Westminster Credit Cards Balance -- £ 188 Updated -- 03/02/2014 Status -- Default Account start date -- 15/02/2004 Repayment frequency Monthly Date of…
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Experian refunded fraud protection
Howdy, Thought I'd let you know that it is possible on request to opt out of fraud insurance on Experian which drops the price to £9.99 and they've refunded past payments. I don't know how important this form of insurance is, but I'm personally of the mindset that I don't really care for it. I only wanted to see my credit…
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Eligibilty checker says 30% - worth the risk?!
Hi all! I'm just looking for some opinions.... I need to get a credit card for my work expenses. They don't always pay me back very promptly, so I need a 0% on spending card, so that I'm not charged any interest if they don't reimburse me in time. The thing is, I'd really REALLY like to get the Santander 18 months 0% card.…
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Barclays Credit Problem
Hi, I'm new to the forum, and looking for the best way of dealing with a problem i have come across when obtaining my credit report. I have 1 item on my credit report which is from barclays bank for around £6000 which i am completely unaware of, with a caveat. When i was a student, i had a barclays bank account with an…
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Paying CC Early?
Hopefully someone can answer this. I have recently got my first Credit Card in over a decade as I want to buy a home at the end of the year so trying to build a good credit history. I've set it up to pay in full by DD on each statement date but I got a credit file alert the other day from Experian which was something along…
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Vodafone error now given me bad credit rating
Hi, Sorry if this is in the wrong place, just need advice asap, as trying to move house as have baby on the way, and can't now because of them affecting credit rating. Long story, but any advice would be great please! My partner and I were looking to upgrade our phones, and despite being told by many service agents that we…
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What to do for the best? To get a mortgage.
Hello there, I wonder if anyone can offer me a little advice. I would really like to get myself in a better position to apply for a mortgage (I am hoping in about a years time) and have a few questions on how to best do this. I have had a bit of a rubbish past with money, I was in a lot of debt but have thankfully paid all…
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Mortgage arrears and credit rating
Hi all Due to losing my Job I was unable to pay my mortgage repayments so was forced to sell my property. I have moved in with my parents and now sold the property. I am currently in 5 months of arrears with my mortgage company but now I have sold my property I have enough equity to clear the arrears and pay off the…
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Default - old address
Dear all, I've just checked my credit rating and a default has appeared from Vodafone regarding a phone I had some years ago. The address associated with the phone is 2.5 years old and I have had not correspondence about this at all. I have the means to pay off the debt in full (c.£800) and would have done if I'd known…
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How long to update after markers removed from file?
My bank agreed to remove some late payment markers they'd unfairly put on my credit file today. Does anyone know how long it will take for this to be reflected on my score?
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Experian credit report - The full story??
When registering to look at my Credit report with Experian I was asked to supply my previous address but not my previous name. I reverted back to my Maiden name about 6 months ago do this mean my report only shows my rating for the last 6 months? I only paid a couple of quid for the Equifax report and got details going…
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Credit File & Ratings Board Sticky, Newbies please read first before posting !!
Hi folks :) This is the new Credit File & Ratings Board Sticky where links to all current important threads will be kept. First just a word about your credit score, in the UK, we don`t have a universal credit score, unlike the USA who use the FICO scoreing system, which is a fairly accurate method, and is actually used by…
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Equifax Credit report
Hey guys need sum help. i paid for and checked my report from equifax and all is ok except one entry from 2010. bt have put on there that i had missed a few payments which are red and i believe this is the cause of my problems. i didnt miss the payments BT kept trying to take them a week early even though the DD date was…
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Query re DMPs and joint mortgage
I guess the only answer for this is for my wife to check her credit rating but grateful for a general view. I have recently entered a DMP for credit card and account debts which are all in my name. The account was a joint account but there were no problems in putting it my name before the DMP started. I do however have a…
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Changing name and credit file
Hi My apologies if this has been answered elsewhere - i couldnt find anything. I have recently married and changed my name (December). I am wondering how this affects my credit file? Does it automatically filter through and my maiden name will just dissapear? Is a new one in my married name created? I have changed my name…
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Experian Credit Score
Hi, Does anyone know what the credit score ranges are from very poor to excellent? i.e 0-x = very poor etc? Thanks
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Mortgage - Credit file?
Hi, I just checked my experian and noddle credit reports and saw late payments (shown as a 1 and a 2) for June, November, and December last year. These were for unarranged overdraft charges I wasn't aware of, and subsequently got the bank to refund. Other than that my files seem clear. What chances do I have of obtaining a…
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Credit I didn't ask for...
I've just been turned down for a mortgage (95% LTV) based on my credit score. This came as a surprise since last time I checked my score was excellent. Basically, last year I purchased a few small items from the website of a high street store. Entered my card details and assumed that was it. I then went off on holiday.…
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Renting and past debts
My son paid off all the money he owed on some debts he had two years ago. I would have thought this would mean that he was clear of debt as he had not defaulted on any of the accounts. He had joined a DMP and then inherited a small amount of money which enabled him mto clear his debts. Will he be in a good position to rent…
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Default from creation finance
Hello, I am new to the site and would welcome some advise. I am attempting to clean up my credit file after having my home repossessed nearly 6 years ago. I took out a loan for £6190 on 08/11/2004 I made my last monthly payment of £86 in January 2007. The original agreement was for 72 months. The account was put in default…
