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Can anyone clarify something for me?
I have two CCJ's both of which have been paid in full and marked as satisfied. The CRA's are still showing the full amount for the CCJ's even though they are marked as satisfied. Is this correct, are they reporting that this WAS the amount and now all are satisfied, will the potential lender see this or just the amount…
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Future Credit/CreditScore
Hi Guys I need some advice basically I have defaulted on a car agreement due to losing my job nearly 2 years ago now and the remaining balance has now been settled. I am unable to get any loan or finance for a motor vehicle due to this default just coming back with rejections..Is it just a case of waiting 6 years until…
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unpaid CCJ after 6 years?
Long story short, I got a CCJ back in August 2008 from Orange for £308, and 5 years and 10 months on it remains unpaid. What happens after the 6 years is up, does the court or Orange take me back to court? After the CCJ was awarded, I received no further communication from Orange or Northampton County Court regarding the…
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First Experian Credit Report - quick query
Hi I have just signed up to Experians 30 day free trial just to have a look at my credit report as I have always been curious. To my pleasant surprise I scored 999 however I have 1 negative factor in my report summary which is 'the balance of your unsecured lending could indicate a higher risk'. What does this really mean?…
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Contesting a default steps and templates
Hey, Many moons ago I came across a really useful thread which would assist in my current situation but can no longer find it. The thread broke down the different letters to send and the likely responses you'd get until reaching such a point you could get a default removed. I'm up to the stage where the DCA has written to…
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jd williams added an account to experian even when i was declined for credit?
Just had an alert from experian about a new account being added by JD Williams, I applied on 19th June 2014 and I recieved an email a few days later to say I had been declined, and then today Ive check my report and they have added account information e.g start date 19/6/2014 and credit limit of £125. I have check the JD…
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Poor Credit File
I'm looking at getting a 0% purchases card to fund some travelling next year, so I've been having a look at my credit files. I'm trying to work out why my credit rating/file is "poor", I know the number generated is relatively meaningless, but the impression I get from the score and checking the credit card eligibility…
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A little more advice needed...
Following on from an earlier thread I posted about a CCJ, I'm now thinking the best thing to do is to try and sell a load of stuff to stump up the cash. Only question is the deadline... The only letter I've received about the CCJ is an attachment of earnings order, dated 16th June (only received it yesterday) From looking…
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Paid CCJ - still on credit score!!
Hello. I have searched for this and found nothing. I have been actively looking to purchase a new car over the last 2 weeks with finance but I found out today that I have a CCJ on my credit file. This is a result of a small claims court case against my name from a parking ticket company. I attended the court case and was…
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Paying off debt and credit file
Hi everyone I've been trying to get an answer to this question for a while but it seems like it's a tough one. I have debts from over six years ago that don't appear on my credit file but that the DCA is chasing from me. I'm now in a position to pay of the debts (they're old student loans). I'd like to clear the debts,…
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Default: Satisfied - are these correct?
I just got my credit file and have 3 accounts marked as default - satisfied. I'm not sure if this is correct and would appreciate some opinions. What happened was I got let go at work no notice no redundancy pay. Had to fight for the redundancy and pay in lieu of notice which took 7 months. During that time I wrote to…
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f and f payment
thanks for the help with my last post so when my default drops of am going to ring and ask for a f&f settlement what would i be looking at paying on a debt of 2600
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Student Finance Funding - Credit Checked?
Hi MSE, Bit of a strange question this one, hope I've pointed it at the appropriate board. As so often seems to happens in life, a number of important issues affecting my future have all appeared at once to contend with each other. We have recently been approved for a mortgage and are currently in the no-man's land between…
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The registry Ltd and Equifax FYI
I have just spoken to a lovely lady who informs the CRA's re the CCJ updates and satisfactions and she informs me that Equifax are repeatedly ignoring their information and failing to update their records. I know this because equifax have told me that the registry have not told them, but the registry have informed them…
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Advice on a CCJ
Hi everyone, Hope I'm in the right area. I just need a little bit of advice on a CCJ that I've received. A bit of background... In 2009 I was struggling to pay off a loan and credit card and they went to collections. I agreed a payment plan in late 2009 and had been paying them off regularly every month. I moved address in…
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question about my credit rating
So, recently had a credit card app turned down which surprised me a little. Didn't think any more of it, until I phoned up my current credit card provider to request a balance transfer, and that was declined too. So today set up an account with Experian. My score is 487 and I am rated as 'very poor'. Wondered what on earth…
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mortgage declined due to credit report
Hi all, long winded but here goes, I currently have a 25k mortgage, all up to date, also have 1 cc with 600 and 1 cc with 1200, and a loan of 7500 paying 137 a month on a combined wage of approx 33000 and savings of 12k. went today to halifax asking for a 76k mortgage for a house worth 80k, we wanted a 95 percent mortgage…
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Defaulted account
I thought after 7 years things would have I proved but every day just seems to be another set back had a defaulted account dated the 2 nd of June 2008 thought it would be gone as people told me it would go after 6 years as in fact I have had 5 of the 7 have gone but this one with sainsbury I am still paying have 4 out of…
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No credit agreements and credit file
Hi MSE Forum peeps, So I am currently challenging a catalogue debt that meets the rules relating to it been unenforceable... I am now wondering as there is no signed credit agreement nor did I give the company my permission are they allowed to record any information about the debt on my credit reference file? Could anyone…
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credit file help
i have a loan that went into defalt in nov 2008 i been paying 70 a month to them am after moving soon so need good credit score as it will have been six year in nov will thid drop of my credit file thanks
