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Credit Reference Agencies - an Industry Out of Control?
I've just been reading this in the Telegraph: http://www.telegraph.co.uk/finance/personalfinance/borrowing/10787200/Changing-my-name-was-only-way-to-escape-debt-hell.html If we are to take this report at face value - and I've no reason to suspect we shouldn't - it seems the CRAs and their debt collector bedfellows have an…
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Poor credit score how do i improve it!?
Hi guys, ok I have a "credit score" of 533 according to Credit Expert I used the little trick on this site to get a free credit check, now I'm fully aware that this score isn't actually real and all lenders view people differently but what it does do is give me a good little insight into what lenders view when considering…
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Experian Confusion
Hi All, After spending many years on a DMP I am now clear and my final default dropped off my file last year. We recently moved so I decided to wait until I had confirmation I had gone onto the Electoral Roll at my new address. This came yesterday so I decided to check my report to confirm this was on there (it is),…
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Anyone suffered similar
Hi, I recently signed up to the Exerian credit rating trail after using Noddle for free,for the past couple of years. On Noddle my credit report is showing as 1/5 poor - However when I used Experian it was showing as very good, I cant remember my credit score but it was high. The problem is that I cannot get any credits…
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HSBC Credit Card Default on Callcredit.
Hi I recently signed up for Noddle to keep an eye on my Credit File as I reach the end of my dmp. Subsequently I noticed that there is a Default on my file for a HSBC Credit card that was part of my dmp -- dated 2012. I set up my DMP in 2005 and I am due to finish in December this year having paid in over £50,000!! So, as…
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Repost - Put in Credit Card forum in error
Hello. I'm a bit stuck. I really want to take advantage of one of the great credit card balance transfer offers that are currently out there but for some unknown reason I'm being declined en mass. Even my own bank won't sign me up (that's the same bank that gave me a 6 figure mortgage too 10 months ago....). I've even got…
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SUCCESS: Default - Bank Error
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Woolworths has defaulted my account by error
I opened an online account with Woolworths in December 2012 and placed an order in the same month using the BNPL (Buy now pay later) for 12 months meaning I didn't have to pay anything until JAN 2014. This has been confirmed by them twice over the phone. However after receiving a letter from a debt collection company in…
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Electoral Roll query
Hi guys, So I've recently received a card to vote through to my "term-time" address (I'm a uni student) When I'm writing applications for cards,loans,finance etc which address do I put down? I live away from home 9/10 of the time, but I understand if in the applications, the addresses don't match up it can be a problem? If…
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New to Experian
I applied for a Halifax Rewards Account and was refused. They used Experian so I have signed up for one of their free trials. Just got results and not sure if this is what is causing the refusal. The score was Fair with 2 negative results and no positives. One of the negatives was I have not had a credit card and closed it…
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Confusion ! satisfied/settled on credit reports
I will offer my apologies first and foremost, if this is yet another question been asked previously. My partner has a default on her credit file dating back to May 2008, which she has been paying on a monthly basis since Sept 2010. Never missed a payment and will be paid off in full to clear the debt, (much to our…
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credit rating and mortgage
mmmmmmmmmmm
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Defaulted card disappears From Record!
Hello Fellow savers, I have a number of cards defaulted in 2009. 1) Store card paid up so dropped off 2) Barclaycard defaulted in 2009 but i have been paying the affordables monthly. Recently got a letter from them that cabot has taken over the debt. I have not honour their letter because i want to ask here on MSE if its…
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Poor credit-help
Hi, I have just checked my credit score, didn't think it was too bad at 350...until I realised the scale began at 300. Is this correct? I need to get a mortgage soon, I don't actually have that many defaults. On my Equifax report the 'Credit agreement' is red, but when I go into each individual one the majority of the…
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Not taking no for an answer!!
Hi Just wanted to share my news, after years of meticulously managing debt from a previous relationship and turning my credit score around from very poor to excellent I've finally suceeded in achieving the financial goals I set myself. I've been able to move away from sub prime credit cards, I don't owe anyone a bean and I…
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Satisfactory, Default and Satisfied
Hi, I have managed to settle some debts but this has left an interesting result. For instance: a payday loan status is marked as Default, the balance (presumbly is £0) is marked as Satisfied. I was told I could approach the company and ask them to remove the Default status, but was also told it is unlikely as they prefer…
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default removal and improving credit report
hello all im new to this site and thought i would share my journey on improving my credit report and removing some of my defaults :) ive been trying to improve the look of my report since January 2014. Basic story is I had money troubles back in 2010/2011 due to losing my job and unable to find further work which caused me…
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OMG look what Gocompare did to my credit file.
I just got an alert from my Equifax credit file account and look what I found I renewed my Car Insurance last week and then out of curiosity went to the Gocompare website while I was bored a couple of days ago just to do a Car Insurance quote to see if I could have got it cheaper through a comparison site than I did with…
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Westcot & lowell conern
In January I received a letter from Westcot referring to a non payment on a COMET account. I knew not of owing any money to them. The original letter had an account number and an amount owed from Santander Cards, which since has been moved on by Santander to a company called New Day. I called Westcot to request the details…
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Default.....What are my best options
I have a £794 debt with Halifax that I would like to resolve and am luckily in a position to pay them back in full. The Default on my credit file is from 2010 so what are my best options in terms of contacting them? do I get proof that they will send me a paid in full letter somehow if anyone out there can help it would be…