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What do uc mean on noddle
Can any one tell me what uc in green means as a monthly marker on noodle mean please
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Statement or Running Balance
Quick question and probably a really thick one knowing me :p But when a potential lender views your credit file, do they see your running balance on a credit card, or just the last statement total? For example, my last statement was something like £1500 which I then cleared, and now half way through the month again it is…
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Is this AP correct?
Hi, Have read the recent post about a Barclaycard AP removal and the ICO guidelines and trying to establish if the reported AP I had with RBS for a loan paid off in 2011 has to stay until 2017 or I can challenge the fact I would have been better off with a default back in 2008 when I went into a DMP rather than 3 years of…
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Disassociation - straightforward, anyone had issues?
Hi all, Apologies if this question has already been asked in the past. I am in the process of selling the house I own with my ex. Neither of us have lived there for over 2 years (rented out to friends) and the mortgage has never been late or missed. Once sold, I intend to close down the joint bank account which the…
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Repayment of overdraft
I recently used the switching service to move from bank of scotland to santander, applying to move my overdraft as well. Only once the process had begun was I informed that my overdraft had been declined and would need to arrange to pay it with BOS. My account is due to close on Fri with BOS, I cant afford the £2000 in one…
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Loan approved... then not taken. What are the implications?
Following on from my other thread in this forum: if I decide not to take a loan after being approved for it, will there be any negative implications with regards to my CRF? Thx.
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Small Debt About To Drop Off Credit Report - Should I Pay it?
Hey All! So, I am UK National who has been living in the USA for several years and now I moving back. Before I moved out here to the US I thought I had closed everything, however I just pulled up my UK credit report and there is a small debt of 100 pounds sitting on there, no idea from where (says Telecommunication…
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Wonga credit check at old address but wasn't me!
I've just been going over my noddle credit report and I've noticed that a credit check was carried out by Wonga on 3rd January 2014 at my old address, but I haven't lived there since around August 2012!! No loan account has been added, I presume because on my report I am on the electrol roll at my new address, however it's…
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Difference Between Lender and Employer Credit Checks
I believe that my employers will run a credit check on me in the upcoming months. Since the last credit check my credit level has declined so I wanted to see where I was sitting in terms of credit. I used the site annual credit report and it came to my attention that I had two different credit reports. One which is seen by…
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Repairing/improving CRF with Barclays Partner Finance Loan
Evenin'. Just after a bit of advice on whether what I'm about to do will be beneficial in terms of improving/repairing my CRF. After a financially rocky few years (mainly, divorce leading to bankruptcy in 2007), I'm just about back on track. I've spent the last 7 years being super careful and I'm at the point where I have…
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Help - About to apply for mortgage with late CC payment due to failed direct debit!
Hi all – Long time lurker but first time poster. Background is that I am looking to apply to port my existing Nationwide mortgage across to a new property and extend with a new product after an offer was agreed on my property last week, as was an offer for us to buy another place. Unfortunately – and I accept it’s all my…
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Rejected for an Isme account, and no idea why...
I applied for an Isme account today, as I intended to buy a new laptop using a TopCashback new customer offer. Annoyingly I've been rejected, and I'm a little bit shocked to be honest. I have two other accounts with the shop direct group, both of which have been extremely well managed. I'm on the electoral roll, I've been…
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Credit Score queesion experian
Hi guys, recently gt a credit check its around 380 on experian which says fair. now theirs a few problems with it such as not on electoral roll which i thought i was, also a few linked addresses. how much do you think i can increase that score in a month and if sorting out the electoral thing will improve the score thanks
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PLEASE HELP! Credit rating haunted by previous account issues
I'm hoping someone out there can help me! Back in my uni days (2010) I switched my current account from one provider to another mainly due to the benefits of a student account and secondly I was not happy with the service I was getting. Upon opening my new account, I went into my local branch of the original provider…
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Noddle credit report vs credit expert
I got credit expert trial yesterday and was pleasantly surprised, all of my old defaults were not on there, I had guessed they were 6 years old and that's why they weren't. Today iv got the noddle one and they are on there :-( Most are from May/June 2008 so have experian missed a page or somethin or could they have dropped…
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Where have they gone?
I have just got the credit expert trial, have had it before a couple of years ago and it was dire then, about 15 defaults Iv just got it and now only have 2? I havnt paid them off as iv been on benefits for a few years but have now got a good steady job :j so I was looking to clear my file! Anyway will they have gone off…
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Mac Book Pro finance
Hello everybody, I got accepted for a Mac Book Pro with Apple financing. I cancelled the application today though because I thought I could get it cheaper and also quicker. Turns out I was wrong. I have reapplied for the Mac Book with Apple with there financing today but I am just wondering if anybody knows what the likely…
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Will Amex See My Higher Credit Limit on CapOne Card the Day It Increases?
My Capital One credit limit will be increasing next month. If I apply for Amex as soon as the limit is increased, will they be able to see it? Is there a chance the data they retrieve about me from Experian will be showing my old, lower credit limit?
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Problem with Experian
Hope someone can help My husband did the free trail last year and ended it before the month so we just reopened the account and they immediately took the £14.99 out, this was a few days ago, i've just logged back into Experian and its wanting me to pay again, just takes me to the part where you have to pay and tick for…
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Maxing credit cards affecting credit file
Hi, I have a couple of credit cards which are nearly maxed up, I dont have high limits on these cards, but over the years they have crept up. Does anybody know how this may affect your credit score? eg over 50% of a limit, or 90% , presumably will be seen as stretched. Nice that credit card companies dont tell you anything…
