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Check Your Credit Score for Free guide
Hi, This is the discussion thread for the Check Your Credit Report for Free guide Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum? Intro Guide. Thanks!
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Credit help
Long story made short Me and my partner have debts between us of around 30000 which are on debt management plans. We have a mortgage which has arrears of 700pounds that we are gradually getting to grips with. We live in a ex council house in not a nice arrear of Newcastle we are so eager too move but our credit ratings are…
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Default on credit file
Hi everyone, I am currently applying for a mortgage and wanted to get my credit file as clean as possible for the process. Everything is in good standing apart from one default from many years ago for a Lloyds student account that i forgot about (stupid me!) The last payment into the account was on 11/12/2003 which reduced…
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Scottish sequestration and credit scoring
Hi There New to the forums and needing a bit of help. In 2011 my wife became ill and I lost my job because of it, I was due inheritance of roughly £30,000 and was told that it would be sorted quickly, however I had around £6000 of debt which I could not afford to pay back and as the inheritance was taking too long I was…
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Rebuilding credit help
Having had 3 defaults on my credit file, 1 regarding a historic student overdraft and 2 relating to a voluntary surrender of a NRAM together mortgage. These are all showing as settled and I would like to rebuild my credit file. I have had a credit card with Vanquis for 3 years which is paid in full every month. Also have a…
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Potential for ccj against me ??
Long story short, I run a website and recently had a customer who bought a product, weeks later decided it was damaged and against our terms and conditions has now issued us with a small claims to get his money back (actually asked for more then double what item is worth). We think we had enough just cause not to issue…
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Missing Credit Accounts After Moving
Hi, Just a bit bewildered as to how to sort this out. Moved house in May last year, obviously informed everyone who needed to know, mortage company, car finance, CC providers etc. I've just re-registered with Experian and none of my accounts seem to exist on there. It had my old address on my Experian profile, as I'd…
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Mail Order - AP/Defaults
Good morning everyone, Has anyone had any luck asking mail order companies to reset default dates due to them been added late, eg 3 years after entering DMP, or AP placed on account for multiply years instead of the account being defaulted? Thank you Susanna
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Unrecognised searches on Noddle
I checked my Noddle credit report and noticed there are four searches on it recently that I don't understand. One was an identity check and another was a consumer credit file request. I haven't applied for any credit recently. I bought car insurance in April and those searches are listed but I'm worried these new searches…
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defaults vs settled
If I am correct in thinking defaults remain on your file for 6 years from the default date and then drop off regardless of whether they have been paid or still have a balance on them. Mr question is if I have other debts which defaulted 4 years ago which I am close to clearing via my dmp how long will these stay on my…
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Help and advice needed - hfc bank
Hi everyone I am in desparate need for some advice. In 2008 I bought a tv from currys and paid £10.85 per month for 4 years. In 2009 I moved and completely forgot to inform currys or hfc. I continued paying until 4 months before the end - march 2012 when I then changed my bank accounts through the nationwide switch service…
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Quick question
I have a debt collector sending me letters about a debt called arc Europe for £600 I set up a DD for £100 to pay it off After checking my credit file this debt is showing as settled on the 1/9/13 So now it's show at settled if that's a mistake can there re open it on my credit file to show I still owe £600? Plus since it's…
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Differing reports
I have checked my credit files through a number of agencies as I am looking for a mortgage after completing my DMP. I'm a bit confused as to how they can differ so much - Experian - Excellent Equifax - Poor (due to lack of credit at my address and electoral roll) Noddle - Poor It's very weird. I do have credit at my…
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Trouble getting my £2 statutory report
Having had my credit card for santander turned down today (despite them giving me a mortgage four months ago....maybe the short time I new address scuppers things)I thought I'd check my credit score. I tried experian first for my £2 report but it said there was an issue and wouldn't let me proceed. I the tried equifax but…
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Payday loans on credit report
Do having lots of 'Satisfactory' pay day loans go against you? I have 9 entries on my credit expert report that were ALL paid in full on time. Will lenders see this as a negative that I had to take out a pay day loan in the first place or would they see the positives that they were paid back in time?
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Renting Washing Appliances - Bad Credit?
I'm not sure this is the right place to be posting but meh .. Long story short, I've had bad credit in the past, 3 or so missed-payments on PDL's '738 Credit Score', I'm looking to rent a kitchen appliance and wondered if anyone knows whether they do Credit Checks/If I will be declined or if anyone can recommend a company…
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Credit limit and usage effecting credit score
Hello all, I am now completely confused. My credit score dropped from good to fair because of two new "flags" on my file (Experian) in June: The total balance of your unsecured accounts has increased The usage of your credit accounts has increased My credit accounts are my Barclaycard which I pay in full and the overdraft…
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Fraud Against Me
Hello I would like some advice. My ex husband took out loans in my name, and even though I have proven with the companies involved that it was fraud these are still on my credit statement. What can I do to have these removed? I need a loan for a new car and cant get finance.
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Getting a new account
I have checked my score on experian which is 874, I have a ccj dropping off tomorrow and then 2 defaults for a total value of £140 both 4 years old. I am looking to get my first bank account for 5 years since getting in trouble with debt i have had my wages paid into my wifes account. Will i be able to get a standard…
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Incorrect credit reporting
Can anyone help me please I have used Credit Expert for a few years and was well on the way to achieving an excellent rating until: The Credit card company I use started to report incorrect large balances to my credit file. I queried this and the report was amended to the correct 0 balance. The credit card company said…
