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Best way to improve cresit score
Hi there i have created quite a lot of personal debt over the past six years. Whilst i have always serviced the debt correctly the sheer level of debt has given me a poor credit rating. I have just come in to some money that will approximately settle half of it. I want to then get a good personal loan to pay the rest off…
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Credit check for rentals- Help anyone from a credit agency??
Hi I am currently looking for a new rental property the one I am in is about to be sold. I have been told that they will run a credit check. There is conflicting information about this as when I spoke to Experian they say a potential lettings agent or landlord can see my full file however there is information on these…
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Vanquis - Complaint, and nothing back from them
Looking for advice on what to do next with regard to a complaint I have made to Vanquis asking them to remove AP / AR Markers from my credit file and mark the account as 'Default' instead. This all started in February this year, when I sent a letter (one of the templates from the Barclaycard AR Removal thread on this…
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Experian Credit Report Default as Satisfied & £0
Hello I hope someone can help. I have just received a copy of my Experian credit file. In late 2013 I defaulted on a mortgage. The bank then sold the property and there was a shortfall of around £80,000 The banks Solicitors have been chasing me for the shortfall since the property was sold in late 2013 but I have been in…
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Quick question hope you can help
Hi all. On your credit file, accounts that are satisfied as a result of bankruptcy should the status still be shown as DEFAULT and balance marked as satisfied. Thanks
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Help to Buy Mortgage with Poor Credit file?
Hi everyone, first post ever on MSE, hoping to get some advice from all you knowledgable lot :-) Ok so me and my partner are wanting to offer on a new home, on the HTB Scheme. We have passed the income check to ensure we can afford the mortgage etc and have our 5% deposit. Now, the next stage is passing the credit check.…
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Orange debt from 6 years ago.
I had a debt from 2008 from orange and I recently asked for a credit agreement because I now have a CCJ On my credit file which was put on January 30th 2014. 1. They say a phone contract is a service agreement not a credit agreement is this true? 2. The letter says the balance has been litigated but remains due and payable…
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defaults from debtors after iva
i was in an iva from oct 2009 untill june 2014, when they accepted the funds paid in as a full and final settlement. i looked at one of my credit reports, call credit i think, (noodle?) and it is showing defaults every month from most of my creditors right up untill this month. are they allowed to do that? can i get them…
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financial associations on credit files
Can anyone tell me how long these stay on file, I have some going back 10yrs with loans etc all paid up, but they are with my ex wife and I am no longer financially associated to her. How can I get these markers removed. Thanks
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Debt Assigned to CAIS Member?
I have an account that has this marked on it and next to is another default for the same debt. My question is, does this reflect as two defaults? or can any new creditor or person looking at the file only see one of the accounts. The debt was part of my BR and I think should not of been passed on but there you go.
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Huge difference between my Experian and Equifax credit ratings
I have been signed up to the Experian website for a while now, and monitor my credit rating and report fairly frequently - I have a very good rating with a score of 985 (out of a maximum 999) which Experian class as 'excelent'.... I recently had an offer to trial the Equifax option for a month and thought i would sign up,…
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To repay or part repay?
Hi, I'm new on here and was wondering if I could get some advice please. I currently have about £12,000 left to repay on a halifax personal loan. I defaulted and it is currently being managed by churchwood finance. At the end of the month I will be able to settle the outstanding debt in full however when I phoned to get a…
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CCJ Help please
Hi all about 6 weeks ago I had the bailiffs knocking on the door to enforce a 'High Court writ' I paid it there and then £1400 for a £752 ccj I hadn't heard anything about this, no letters at all, anyway Im not disputing i owed it as Ive looked at my experian file and their are two on there. I have 1 for the £752 dated…
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OMG. Orange/EE have put ANOTHER late payment on my account.
Update: Just called EE, they're taking BOTH late payment marks off immediately :D Nice. !!!!!!? I called at the end of March to change my direct debit to a new account. Was told this was sorted. Fine, whatever. My bill is £15, so it's not a huge deal. Log in to my creditexpert file in April and notice that I have a late…
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Default sold on can this go on for ever
Noticed that I have a default against me from an old lloyds account, now the last I knew of this was about 5 years ago but this account which looks like it's been sold on is only 4 years old. So question is can this be sold on again and the clock reset again
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Credit Score
I rencently paid off some credit cards, and then closed the accounts down to my suprise my credit score has gone down is this normal??
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cutting a deal with debt collectors?
ill try and keep the story as brief as possible, around 2005 or so i had a bill come out of a lloyds account which took my account 2p overdrawn, for that lloyds hit me with a £30 charge, i was not happy, so i went in to try and argue the point, i was kept waiting for the manager for over an hour then sent home with a…
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If I get rejected by account application do I have negative mark on report?
If I get rejected by account application do I have negative mark on report?
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Equifax credit report
Hi, I wonder if anyone can help me? I have an opportunity to buy a house as a shared ownership. My mortgage application was declined because of one thing. It was a default payment for £81 on 1/11/2010 to a catalogue company. When I moved house the catalogue company was told my new address but they didn't send any…
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new default on old account
Hiya could any one please advise on my situation. I have a very old account with British Gas that is in arrears however i have been attempting to contact them for thest 12 month trying to arrange a payment plan to clean up my credit score. No one can tell me who currently holds the account however my file is being updated…
