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Credit File
Afternoon I am currently in the process of sorting out the other half's financial issues and we have come onto his credit report. Whilst they have debt, he has never missed a payment and regularly overpays and we have been tacking it together The credit report on the other hand is turning into a nightmare! There is an…
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Credit score
Help anyone! My son has been credit checked by A bank for a job. Experian rating is excellent Equifax is poor. The bank say there is a debt showing but Equifax say there is not and nothing is showing up. They told my son to go back to the bank but the bank say they can't tell him what the debt is. How can this be rectified…
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DMP, F&F and credit history?! HELP!
Hi everyone, ive been lurking for a while and always refer to MSE for help when i need it! But im in a quandary atm!:( and wonder if anyone can help?! Me and my husband have been on a DMP for about 8 years now-ive swapped and changed DMP companies (mostly fee charging-i know i know! :( ) Anyway the most recent one ive been…
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My credit rating
Hi Folks, Hope all is well. I filed for bankruptcy in 2010 due to getting well and truly caught in the property decline during the recession. I basically had a property which dropped by over £100K in value so there was no way out other than to fold all my cards as such. Since then I have been happily moving along with my…
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Poor credit score no real explanation
Hi guys I'm not sure if anyone will be able to she some light on this I'm 28 working part time (same job for about 5 years) My current credit score is 405 I have never had a credit card never had any defaults or any ccjs I was once one month late paying my argos (which was there fault as they didn't request the DD and I…
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I'm 19 cant get credit despite good score?
Hi all, I'm 19 and am trying to build a proper credit history for the inevitability that I am eventually going to need to get credit. I have a constant income from a full time job. I have also taken out some payday loans, all paid in full, on time (please spare the lectures regarding the dangers of payday loans, unless it…
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Credit builder not showing on Noddle
I've started using the credit builder option with cash+ but it's been 2 months now and it isn't showing up on my Noddle file. Is this normal?
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Scottish Power won't respond
I have been trying for 4 weeks to get Scottish Power to respond to an inaccurate default of £67 in 2011. Tried customer services, hours of delays and then no account information on record. Emailed every level of organization only replies are "we will respond in 5 days". Only one response in that time - we do not supply…
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Yorkshire Water
Mentioned this briefly in another thread - does anyone know on what legal basis Yorkshire Water report customer accounts to Experian? With my own water company I have never given them permission to do so and I have no contract, nor T&Cs with them. They, like all other water companies, are obliged to supply me, and I have…
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A credit check without my knowledge or permission?
I am fairly savvy about how the credit check/referencing works but I have this week been surprised, and a little angry, that whilst I have been looking around for a new car a search has appeared on at least one credit agency report, CallCredit, from a finance company. I have been visiting & asking dealers for options and…
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New credit card for credit building
Hi, My bankruptcy entry dropped off from my records as of 2 weeks ago! :beer: I was looking at the "eligible offers" on Noddle for credit cards, some of the cards contain "Have no history of bankruptcy" for eligibility. Does this mean "ever been bankrupt or the history in the credit files? Noddle website highlighted my…
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Authorised Signatory ID Check and Possible Credit Check
Hello everyone, I'm starting a new job in accounts and have been asked to bring in a proof of ID and passport so that the current authorised signatory can make me the new authorised person to deal with the bank accounts. I'm not sure if he signs things but he has online access to the company accounts and makes the…
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CCJ & Default for same debt??
Hi Guys, Sorry to disturb you all during this world cup series! I got a CCJ on 16/03/2012. This debt was with O2. The debt was passed on to Moorcroft. I made a payment arrangement with Moorcroft - which I have stuck to religiously since the CCJ. I have never missed a payment and the debt is coming to an end. On my file…
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Experian login.
I've just re signed back up to experian on Wednesday but so far once I login I get a failure page. I spoken to experian 3 times and they are polite and say they are on to it but 3 days with it not solved seems rubbish to me in this day and age of internet? Just wondered if anyone else was having the same issue?
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Your ID, address can not be verified electronically ??
We have seen a few people here have reported that the Banks, Building Societies cannot verify their addressees, ID, electronically. The fact is that - Those person could see clearly that they are on electoral roll from credit reports of three major CRAs - In almost the same time they also applied for another product from a…
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Electoral roll
Hi, I moved into a new house last year. Among the many things to do is to notify the council for electoral registration etc. I done this and they confirm this with a letter. My credit file however still showed that I wasn't on any register. I have spoke to the council who say I am on the register but noddle say I ain't.…
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Will my credit be effect by my ex partner?
Just a quick question really, as the title says will a jointaccount with my ex-partner effect my credit? I know my credit is not great in terms of cards etc, butever thing is paid on time and I’m working on getting rid of all cards. My concern now is that with have a joint back account, wellreally it’s just a current…
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What to do once defaults disappear
So, looking into my horrendous credit score, I see my defaults will all drop off by Nov 2016. I've got 2 outstanding debts which I'm paying off and will clear by then. I'd like to use these 2 and a bit years of rubbish credit to save for a mortgage for a shared ownership property, but once the defaults have gone what is…
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My Credit Tracker
Hi, I recently applied to My Credit Tracker for an update with regard to my 'Credit Worthiness/Status'. The report showed that I was in the bottom 20% of the population for accepting credit. Over a year ago I used Experian for the same purpose and they placed me in the top 5%. Looking at the latest report I could see…
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Defaults Disappeared
Hi all, I have been managing four defaulted debts for many years. The 6 years anniversary of all debts has gone and all have disappeared from my credit file. I continue to pay the amounts I have agreed with the original creditors but now these debts are being sold on and sold on. My question is this, what is my legal…
