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Poor credit history and starting a business
Hello everyone I have a very poor credit rating in that I entered into a DMP a few years back. I am now managing everything ok and have never missed my mortgage/car payment or anything like that. I have developed a business plan for what I think is a really innovative business idea which has very little in the way of start…
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Help - Unknown loan on my credit file?!
I got an email from Noodle- just a general one, but it lead me to log into my account for the first time in ages. When I did I noticed my credit rating was lower than usual so I went to find out why. There's a small (£77) unsecured loan showing as being taken out with Gresham in February. It has my name, dob and address…
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Getting a new credit card when defaults drop off and credit file discrepancy (edited)
So I am not likely to be needing a credit card for a while yet, but just musing about when I start to rebuiild my credit history. One of my debts is with Capital One, and I was issued a default in 2009. (Should be paid off in 2yrs) I just did a search of my eligibility with the MSE checker. I appear to have a 90% chance of…
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default that no one can talk about pt2
Quick background on my problem if you have not seen it I have been given a default from the lowell group for a account I have no idea what it for Emailed lowell they said they cant speak to me, its with morcroft emailed morecroft, sorry not with us its with lowell. emailed equifax (advised of here) who contacted…
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Barclaycard monthly updates
Hi, Has Barclaycard updated for anyone on their Experian file? Mine still shows last updated 9 March. Thanks
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Should i pay or not...?
I have 3 defaults on my credit file. I am enquiring to know as to whether to pay them off and they will still be on my file or Not pay them off and wait the 6 years? By paying them off and it shows as settled, will my credit score increase? but it just means that the default will still be shown on my file...? I'm in a…
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Default info is wrong on my credit file
I have sold my house and when asking to port my mortgage from C&G it was declined. Upon checking my credit score at noddle it shows i have defaulted on a black horse loan every month since 2010. This is totally wrong, i have paid it every month and have the proof. I have contacted black horse who have agreed the info they…
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Question
Hello I am new to this just signed up to ask a question and some advice. Ive signed up for a free 30 day trail to check out my credit report because I knew I had an old loan from around 6 years ago which I stopped paying due to losing my job but obviously I want to start paying it back. I also had another loan which I…
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How else can I improve my credit file?
Hi all, So for the past 6 years I've been trying improve my credit file. I had a couple of defaults which dropped off last year and a CCJ which dropped off a few weeks ago. Only problem is I'm still struggling to get better credit cards and I'm not sure what my next step should be. I decided to apply for a Sygma card and…
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Grrrrrrrrrr!
So I'm new and clueless ... Hoping someone can help! Long story short - I had an account as a student that I stopped using and forgot about. Fast forward ten years and and several addresses later I get a call from a debt collection agency about an outstanding amount on the account of £340. It seems charges had escalated…
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Newbie! Fresh Start:
Hi all, I'm new so hopefully this is in the right place. Following a pretty rough relationship and my ex leaving me in fairly substantial debt 6 years ago I finally have a clean slate. My credit file is weak at present, but to stengthen it I have recently registered on the electoral roll. I have no defaults on file now,…
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late payments and mortgage application
Hey, I have 8 late payments ( only (1) markers) on my credit file. If I was to make every payment on time from now on, what impact would these have on a mortgage application in 2 years time? I know that they stay on file for 6 years but would 2 years of perfect payment history override the previous late payments??
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Experian and electoral roll
Experian don't have us on the electoral roll but we are. Can anyone help by telling me the quickest way to get this mistake sorted please? So far we've called experian and they are going to look into it but it could take "a while" We're applying for a mortgage and were declined on the credit report -this is the only issue…
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Buchanan Wells and Clark BCW Group Talkmobile
:(any advice please? I had my first contract phone last year, from Carphone warehouse. they recommended Talkmobile for me but when I got the phone, I couldnt connect anywhere, send texts etc etc, so totally useless. I took it back to the shop, where they agreed it was the wrong supplier etc and cancelled the contract. this…
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Credit score gone down 100 points :(
I had my credit score and report done last year in May I think it was 2013. Score of 219. Everything was fine in my report apart from my credit agreements, one of which was a credit card, defaulted three times and gone over my credit. However t's been on a debt management plan with all my other debts for 2 years and I am 3…
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Littlewoods amount of credit available
I have £10000(i have hardly anything on there) should i reduce it ?
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DRO or Bankruptcy?
Hi, i have taken advice from Step Change about my debts but am worried about how i would get another rented property should my current tenancy end if i went down the DRO or Bankruptcy route and if there's a difference between the two regarding a credit check? Apart from that bankruptcy seems more scary! I have 2 children…
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scottish power default
I moved out of my previous property in 2011 and the company who did the checkout confirmed that they will send the last meter readings (gas & electricity) and my forwarding address to Scottish power. They failed to do so and last year when I checked my credit report, I realised that scottish power put a default on my file…
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Motonovo - Default after VT
Hi, finally needed to join the forum after years of lurking! Basically, I decided to hand my car back to Motonovo under VT. The vehicle was on a 5 year HP agreement. I wrote to them mid Feb informing them I wish to VT and Manheim collected the car mid March. I am aware i'm not at the 50% of my payments which is fine, as I…
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Loan
Hi im in the process of a remortgage hopefully done in the next few days. i went to find out about a loan and it went from around 7% apr to 16% never knew fully about the representative apr. whats your advice about how long after that rate will go down and if i want a loan as soon as ive completed the mortgage whats the…
