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Is Equifax right to ask for passport to verify identity
Hi I clicked on the Equifax link on moneysavingexpert website to requeste an Equifax credit report, (the address below) They could not verify my personal info over internet so i had to phone them using the number on their website. They have asked me to have passport/driving licence and utility bill info ready to send to…
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report experian who to ???
Ok Can any 1 help me ,I have a dispute with Experian refusing to change a default date on my credit report even thou they have been sent info from the company ,keep fobbing me off with they cant change as technical problem ,Over month so far ,sent me a free report by post today saying its updated the date ,But no not…
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disassociation of debt
I moved into a property 3yrs ago , the guy who lived there before me has run up a debt of around 50,000 pounds which is obviously registered on the address, having tried to get credit and have my prepayment removed has proved a fruitless task and im reaching the end of my tether I rang equifax and experian and got no joy…
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HELP! confused by my credit report
Hi, i was hoping someone on here may have some advice ad im at a loss as to what to do. I recently recieved a letter from a company called Lowell who say they have bought a debt i had with Lliyds bank ( a debt which i have never know about). Its for iver £1000 so a lot of money for me. I checked my experian report and it…
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6 Years From Default Date?
Or from the date of last payment before it drops off your credit file? I see both points mentioned as to when the clock starts ticking?
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Barclays AR on credit file
Hi All i hope someone can help with this as its frustrating. i have an AR on my credit file for 1 month in sept 2012, this is on a basic Barclays bank account, its basic as i was bankrupt in 2008 and i am as of the 19th feb 2014 clear from having this awful black marker on my credit file. The account was put over drawn by…
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Please help! I am getting conflicting advice!
Hello All, I have had a CCJ Placed on my credit file and not sure about the process. Won't go into details but i was conned big time and now have a CCJ for £1210 on my credit file. The judgment date was the 16th January 2014. I have read that if i pay within 30 days of the judgment date then it will be removed from my file…
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Card one banking!
Has anyone ever used Card One banking before?-Are they any good? Thanks!
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Card one banking help!
Hello :) Has anyone ever used Card One banking before?-Are they any good? Thanks!
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CallCredit - Marbles credit card status shown incorrectly
Hi All, Hoping I can get some worthwhile advice on here, seeing as Marbles/CallCredit themselves are proving pretty useless! Here's the long and short of it: I have found what I think is a discrepancy on my credit record held with CallCredit (Experian and Equifax reflect my current record correctly, I believe). The account…
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Vodafone ' Defaulting ' Each month for the past 14 months...
Basically, I had a contract which I could no longer afford to pay some time ago, since then the debt was passed over to a debt agency, payments have been going for over 12 months to them, supposedly to pay vodafone. Are Vodafone still allowed to default me each month? :mad:
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How can I check which address I'm listed at on voters register?
I recently updated the voters register via the form in Dec to my new address. However I don't know when this will show up on credit searches etc (I found out that it can take up to 2 months to update with the new address). Does anyone know where I can check which address I am registered at on the Voters Register? This is…
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PDay loans and credit file
About 3 years back I was in a real mess and used a PDay loan. I deferred a few times but all payments were on time and the amount needed. Finally got rid and thats history. Trying to sort out my credit file now (which has 2 glaring errors being sorted) and under ''closed accounts'' it lists these 6 deferrals as 6 seperate…
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Experian report - cheapest way to get online
Hi Does anyone know the cheapest way to get this online? There seem to be two or three different sources and rates around for this. I am currently paying around £14.99 a month to get it online and this seems a lot. Also, though less important, what's the cheapest way of getting the Equifax online report? I'm paying - I…
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Experian Report as clear as mud (and no score)
Hi all, I have just checked my experian statutory report (which annoyingly shows no score), and seen that my bank account is on there, and my last mobile phone contract, and that's it! I have a loan with the open uni, a current phone contract, as well as insurance and broadband contracts that are nowhere to be seen! Is…
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Barclay marked "payments are up to 6 months late" for 16 months
Hi, I had a Barclay Card from 2004 which I maintained well till end of 2009. Due to some financial problem, I was not able to cope with the payment so went for DMP. I even could not pay the agreed amount on DMP from January 2012. So, Barclay started marking the account to CRAs. Now, eventually I fully paid the total debt…
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How long for Credit Report to update how much credit I have issued to me?
I have just cancelled two credit cards that I have never used (I got them about 9 months ago). I did this to free up how much credit my credit report would show I have available to me, so that I can then apply for a new credit card (which I want instead of the other two as it has a better deal on it). How long will it take…
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Argos Credit Card
Has anyone got the Argos credit card? i see its issued by vanquis, does that mean its easier to get?
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Voluntarily reducing limit on Credit card - will it affect score?
Hi. I have reduced the available credit limit on two credit to a combined total of £3.5k - there is only £200 currently utilised on one of the cards which is about to be taken by direct debit - I doubt I will use much more than that in future except for an emergency - hence reducing it. I didn't ask for the increases in…
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Credit Rating of 410
I have the above credit rating after years of paying minimum amount on maxed credit cards worth £5500, I am pleased to say that as of today I have cleared it all in the space of week thanks to a PPI claim and a family member. How quickly am I likely to see that rating improve now? I must mention I have a default from 2011…
