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Refused Mobile Phone Contract - Good Experian Score
Hi All, I was refused a mobile phone contract with Vodafone today for failing the credit check... which has shook me up a little bit. I have always been very careful with my credit and proud of my credit score. The first thing I did was come home and reactive my Experian account to check what was going on... but my score…
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Bad credit score in household
I have a good credit rating but my son who lives with me is taking on a mobile contract that he can not pay for will this affect my credit rating when he fails to pay the bill?
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Available Credit %age - high or low?
Do credit card providers see a high level of available credit as good or bad? I have previously been declined for 0% credit cards, despite a blemish-free record (I got a Help To Buy mortgage last year, which needs a perfect record), but my Barclaycard is almost maxed out. As my available credit percentage is low, I got a…
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Current address not up to date
Both experian and equifax have my current address wrong. I moved about 1 year ago and everyone I have accounts with have been notified and I've made sure to register with the electoral role etc so it suite disheartening to be keeping on top of all my affairs only to see that I'm potentially penalised because they're…
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Missed payments on account - strange situation
Hi all. The story is that 2 years ago i took out a contract for my at the time fiancee. We split up this time last year and she kept the contract going however repeatedly missed payments due to changing jobs. In total she missed 10 out of 12 payment dates (which i wasnt happy with because it was affecting my score). We…
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Mortgage application and Credit scoring
So I've looked at my credit report and will be applying for a mortgage. What will they be looking for on the credit report and what sort of thing will lead to a decline? How damaging is it to have a few mortgage searches on there? Afterall I'm looking for a good deal so isn't it acceptable that I would shop around? thanks
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default on credit file
Hi, On my credit file I have a credit defaults from one account dating back to October 2008. This was when I went with a debt elimination company who told me to stop paying the monthly fees as they wer taking over all my debts. All other debts have come off report except this one. The company in which I owed kept refusing…
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Clean slate finally, now where do i start?
Evening all, After a long six year wait my final default fell off my account today :eek: I am due to move into my own rented accommodation at the end of the month so i will be signing up to the electoral role then. What steps do i take after this? Should my car insurance, mobile contract be shown on my credit file? This…
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Settlements and affect on credit files
Hi All Would like a bit of advice, I'm 27, I have a few debts I've been paying off since 2008 after I graduated, overdrafts and PD loans. All of them have been passed on to DCA so the payments are being made to them. Currently only been making token payments as the job market has not been kind to me. Recently a sibling has…
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Does the date on the electoral roll matter?
Hello, My dad who owns his house, is on the electoral roll but it's dated 2002. He wanted to apply for a basic bank account for general spending as he's got no use for overdraft and ect. Now he was declined due to them being unable to verifiy him digitally so they've asked him to apply in branch. Just to test it out, I…
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Will having the same name and address of my father affect my credit rating ?
I have the same name as my dad (apart from middle name) and we currently live at the same address. My Father has a bad credit rating , and recently i was turned down when trying to switch bank accounts. I am just wondering , will our circumstances be a problem for me?
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Increase in credit limit?
Hi All I've had a Vanquis card for the past 18 months, my first one since exiting my dmp in 2012. It's always had £500 limit on it. Anyway, with buying bits for decorating, I thought i'd use the card then I could have the balance all in one place (have savings there to pay all in one go) so I was coming close to the limit…
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Wrong date of defult recorded on my CF
Can any one help. I ran into some difficulties with MBNA in 2011. By January 2012 they applied for a CCJ. In march 2012 we went to court and the judge found in there favour ordering me to pay £6000 immediately. I paid within two weeks of the Order. Despite this MBNA registered a default in my credit file in November 2011.…
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Will my CCJ remain on my credit report until I have paid it off?
I was issued with a CCJ in 2010. I know it takes 6 years for it to be removed from your credit report, but I haven't paid it off. So what I'm wondering is... is it removed after 6 years but ONLY once I have paid it off, or is it removed after 6 years period?
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Very account on credit file
My credit rating is bad ATM and I'm looking to fix it as I will need to get a bank loan soon, we have just finished paying off our very catalogue account. Does this look good on our file that we have a limit of £600 and owe nothing or would it look better if I got the account closed? Does it look bad that I have credit…
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rebuilding my credit/ getting a mortgage advice needed.
so Starting from the top. 8 years ago i was 19, working full time, living with parents and 'living the dream', i didn't have any savings, i spent as i earnt, had a personal loan to buy a fancy sports car. blah blah This was fine for for a year or so, but for some reason i decided to better myself and go to university, i…
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Confused
I have just paid off a credit card debt worth £7000. The account has been settled and some how my credit rating has dropped. Anybody know why? I haven't taken on new credit for over 6 months, only had one search on the last 12 months and never missed a payment on any credit cards or loans. I would have thought getting rid…
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Mail redirection - debts/credit file
I'm not sure if this post belongs in here or somewhere else? So I apologise if it's in the wrong place. Ok, so let me explain a little first: Myself, husband and 2 young children are in the process of being made homeless (this thursday 24th is eviction day) ..... Long story, but LL defaulted on his mortgage payments, so…
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Erudio Fair Processing Note for 1998-2002 loans and sharing deferment status
Erudio Student Loans are sending out a fair processing note/form to students with 1998-2002 mortgage style loans. (Please note 1990 - 1997 loans have different terms and conditions, so all of this does not apply.) These seek consent to share data with the credit reference agencies on up to date payments on those loans. If…
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CCJ issued while I was living abroad
Hi just wondering if anyone can help. In January of 2008 I moved abroad for work and was away until February of 2009. I have been keeping abreast of my credit on experian and there was nothing untoward on there. However, this morning I decided to look at my Call Credit report and it seems that there is a CCJ on my account…
