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Twice defaulted loan?
Hi, I took out a personal loan with Northern Rock about 6 years ago. in 2010 I hit financial difficulties and was no longer able to make the stated payment. The loan then defaulted. In 2011 I put a claim in for the PPI refund (10 year loan, single payment policy, meant the security was only there for 5 years) which I…
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query regarding effect of partner's credit
Possibly a silly question.... I have always had a good credit rating, been lucky over the years, but my partner has not..... We have been living together for a number of years, but our finances are separate, in that I have my accounts, and he has his. We don't have anything in joint names apart from a couple of bill…
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Default on credit file !!! Advise Please
Hello All I have just found today on my updated Noddle Credit Report that a Default has been applied in the last 30 days without a Default Notice been issued to myself, is this allowed or even possible ??? If not whats the best or correct way of challenging this decision please. All advise is highly appreciated in advance.…
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What do do with fairly old defaults?
I am trying to get my credit rating in order in the hope that my wife and I can apply for a larger mortgage in a couple of years time. I have defaulted on 3 credit cards ranging from 2010 until 2012, the sum total being around £3500. I have just arranged to pay £20 per month on one from 2012, a balance of £1200 - this is…
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Advice needed for student accomodation
Hi, I wonder if anyone can help: Last Feb i signed a tenancy agreement to live in a student house with 3 other people (contract starting in the Sept) However, I emailed the letting agency (March) saying I had medical issues and would need to pull out of the contract, i also said i understood i wouldn't get my deposit back…
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Urgent clarification needed
I currently have a thread going on the Mortgage Board and someone has advised that a default drops off 6 years after the SETTLED date and NOT the default date. You have no idea what this is doing to my blood pressure, I am extremely confused, very upset and would appreciate someone PLEASE clarifying which is correct? Thank…
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Cabot Compensation
Cabot financial put defaults on my credit file for a debt that wasn't mine, After 6 months of trying to get this sorted they have now admitted that it wasn't my debt and have now removed the defaults. They are offering me £50 compensation. I don't think that is a reasonable offer considering all the time and effort I had…
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account showing different info on Call Credit and Equifax
So I've just had a proper look at my checkmyfile account And the reporting on my Moorgate (MBNA) account from Call Credit and Equifax are different. My current status on Call Credit is DM (about 3 yrs worth of AR markers, then 4 of DM) but on Equifax it is marked OK. (about 2 years of OK markers) I don't know if the…
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Remove failed application due to error?
Hi All, So one of my friends tried applying for a credit card and it failed - turns out one of his accounts has been erroneously reporting a default for the last couple of years. He's applying to Experian and his bank to get this corrected - but can he also expect Experian to remove the negative footprint his new failed…
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Contact if you've had credit file problem with Virgin Media
Hi, I've recently had a missed payment logged from Virgin Media, under a month from the final bill date and during my house move which they were informed of. I've had about as many call with these clowns as I can take - being called "Fella" on the last on did it for me...anyway I intend to become as disruptive as I can so…
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Defaults on credit report
Hi all, I have defaulted on all of my debts :( . This happened several years ago. I have a few questions. 1) when will they drop off my credit report? 6 years after being issued or 6 years after being paid off? 2) will the fact that several of the ones I have paid off are partially satisfied be seen as bad? 3) if the…
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How long.......
Would a new account be seen as a bad thing? ie car fiance taken out Nov 2013, so nearly 6 months, when will it be classed as not a new account if that makes sense. Secondly how long will a search be seen as a neg thing, ie a search was made in Jan how long before the impact of that is reduced? Thirdly if there is a late…
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Incorrect entry?
Hi, I was issued with a default in 2000, which stayed on my credit file for 6 years and then dropped off. I had been paying it off bit by bit, until a few months ago, where I reached an agreement for a partial settlement of the outstanding balance. It has now re-appeared on my credit file with the balance being the…
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V12 Finance problems!!!!
Hi all, i was after some assistance on V12 finance! I recently applied for a 2 year 0% loan on a £1500 bike but was rejected by v12 finance. I checked my credit rating and saw an old default that is on my account from almost 6 years ago (october 2008 to be exact). Therefore understand the reason for them not accepting me.…
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Wrongly given a CCJ
Hi, hopefully this is the right section and I'll try and explain it best I can. My OH needed a large piece of equipment for work through a company he uses regularly. Last week the rep said he was turned down because he has a CCJ. OH is stunned as his credit with this company is in the top %. Turns out another supplier went…
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Credit Scoring advice needed
have just come out of IVA and received my closure report and must now wait for my credit score to reflect this, however IVA was fully paid up 2years ago, is there any way I can get my credit score to reflect this?
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Improve Credit Score rapidly in 12 months
Hi all, im just about to pay off all mine and the wifes debts (£20k), ive never missed any payments but my credit rating is poor, probably due to the amount of maxed cards i have. Im currently renting a property and i have £30k of savings tucked away (sale of house) which im adding to too get to around £40k to use as a…
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Incorrect default on credit report, can I get it removed?!
Hi there, I've just checked my credit report and I'm really confused! I had an account with Avon, which I didn't pay and amount of £134 for 2 consecutive months almost 2 years ago. I then paid the amount in full but on my credit report at that point it stated I had a balance to pay of £9,999,998!!!!!! Quite clearly I did…
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Bank account default removal- Help wanted
Bank account default removal- Help please Hi, I have incurred a default from HSBC on an overdraft facility. To cut a long story short, I have had an ongoing dispute with them regarding bank charges, as if the amounts were built up by me over the last 5 years or so, then fair and square. They should be repaid. I have…
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MSE search on my file?
Hi, I wonder if anyone can help, please. I've just checked my credit file via Noddle in preparation for a mortgage application. It shows a search undertaken by "Comparison Site (Hdd) Moneysavingexpert" on 31/12/2013 as an 'administration review'. I am a user of this site, but I have certainly not applied for anything via…
