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Mortgage app and Experian!
Can someone please help me, I am in a state of panic. Long story short, we applied for mortgage in feb and got DIP nationwide and passed credit checks. We went in for full application a few weeks ago and it has been declined today. I looked on my Experian and I had a very good score even though I had a default in 2009…
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Car Insurance
I am trying to build my credit score up. Should my car insurance be showing on my credit report? It is not on any of the three reports. Was just wondering if it isn't on there because I pay for the upcoming month??
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Experian inaccurate?
Trying to sort out my credit history and read that it's worth checking all three major agencies - Equifax, Experian and Noodle. I've only managed to check with Equifax and Experian. Experian seems to be missing two defaults from a few years ago and one open credit arrangement (current account). Is Experian just inaccurate…
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A Question about Credit Builder from MyCashPlus.
Hello, Can anyone help me at all? I've taken out a CashPlus Pre-Paid MasterCard and opted into their CreditBuilder scheme. I've had a look on their website and couldn't find the answer but when they typically take the payment towards the loan? Sorry if this is posted within the wrong section. Thank you.
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Cancelling credit card/ impact on credit rating
Hello, Sorry if I am posting in a wrong category. 8 months ago I received my first Aqua credit card with 50% APR and 250£ limit. The limit was gradually increased to 1800£. Few months ago I applied for Sainsburys and Halifax credit cards and I was approved (Sainsburys 1000 16% APR and Halifax 1500 20% APR). Since getting…
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Credit Score Help
Hello, I currently have a sky account in my name but the direct debit comes out of my partners account, will this help his credit score or mine, the account holder? Thanks in advance
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Credit rating associated with the property
I am in a process of buying a repossessed property. When I contacted TalkTalk to sort out the broadband for the new place, I was told that due to my low credit rating I would have to pay upfront. I assume, the bad credit rating is associated with the property as mine is rather good, besides, I didn’t even give the adviser…
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This may be a scam pretending to be Experian
posted in error
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This may be a scam pretending to be Experian
Just got this message after checking my files online, thought it was strange as there is no mention online and the click through (no details given) looks a bit childish. Also email address is slightly different capital letters in some places. Maybe I am wrong plse tell me if I am Having trouble viewing your email from…
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Quick question on when things leave my file
Hi All, Used to come on here a lot, but have been using lass and less over the last 5 years as I've FINALLY got a handle on my debts... Almost nothing left (£6k, left of totally manageable debt... from over £95k 6 years ago!) I've got a question on old/aged defaults that I can't find an answer for anywhere in the search…
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Co-Operative bank and marital disputes. 😤
I have just spent 20 mins on the phone with this lot from the Co-Op. I have now successfully managed to get a joint account into a sole account after months of arguing (I wanted my name off of it). I asked to speak to the data controller or a manger in the team to ensure they update my files with the CRA's so that I have…
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Someone using my address
Not sure whether this is the right place, but anyway I've just discovered that my sister-in-law who now lives in Australia has told her bank that she now lives at my address. I also use the same bank and branch. I only found out when I opened a letter from the bank that I didn't realise that it was addressed to her asking…
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Disassociation
Hi My ex (we have been split.for.over 3yrs now).and I had a joint bank account, which had.no overdraft.or.any debt but we both stopped using the account when split. What letter, and to who, do I need to write to get disassociated from him? His credit is absolutely appalling and I.don't want to be associated with that when…
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2 different credit cards or joint CC - what is best for your credit rating
Hi, I am not sure if they offer joint credit cards for couples. If they do would that make a difference (for credit rating) if we apply for 2 different cards or for one as a joint application? In other words - what would be better to ensure consistently good credit rating (assuming repayment in full). Many thanks
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Emergency advice needed - County Court Judgement mix-up
Hello I am new to this forum so apologies if I am posting in the wrong section but urgently need advice! Long story short - I had been living in a flat for three months (Feb to May this year) and moved out just a few days ago. Just before moving out, I found some mail for me that had been misplaced. Now, I knew I was about…
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Non credit related searches
These blighters who access credit reference files for insurance quotes and the like; does anyone know what they actually see? Do they see credit information, or just that you're on the electoral role. Experian don't clarify it.
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Incorrect Credit card limit on CR
Hi Guys Basically I have hit a wall with my current bank about an entry on my credit report. To sum it up. I had a balance on my credit card of £1355 and a limit of £1500. In March I paid off the balance in total and about 10 days later reduced the limit to £500. My credit report however shows the balance for March as…
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Equifax refusing to correct incorrect electoral roll data
I have been on electoral roll at my current address continually for 4 years. From 2010-13 under my maiden name and then further to marriage in 2013 under my married surname. I informed the electoral services team at my council and filled out a form linking my 2 surnames so they knew the married surname was still fine. The…
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Another Credit File Advice Thread
I went bankrupt 4 years ago and having just checked my credit file tonight, I have found that there are some accounts that are still showing as defaults on my file. I have e-mailed Equifax to discuss with them to help remove them. Is there anything else I need to be doing?
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Credit File Advice
Hi, I am in the process of settling a lot of my debts so in theory can start with a clean slate. I had several loans in default that I was repaying through collection agents and have 2 active credit cards, my current account with no overdraft and a mobile contract. I currently have a score of around 600 and intend to keep…