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Default Dates
Hi there, looking for a bit of clarity. How long after the last recorded payment to the orignal creditor can a DCA register a default? I had a debt with lowell that I have paid off (£75) and their default date on my credit file is feb 2010 and my last payment to the orignal creditor was august 2007.... I have searched but…
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CCJ for a debt I have already paid
Hello all Right, I am hoping that someone out there can help me as I seem to be going round in circles. Knowing that my partner and myself were looking to get a mortgage this year, we went about paying off old debts. I had a debt with Lowell, for £374.40, which I paid in full to Lowell on the 4th Feb this year. It seems…
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Help clearing a "partially settled" account
Hi, I currently have on my account, a partially settled account from Natwest. I have been clearing up my credit file over the past year to build up a credit rating for a mortgage. I finished an IVA 2 years ago and since then started to save, opened a low value credit card which I repay every month, I also have a mobile…
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default found from years back
Hi all, Hope you would be able to help on a default on my credit file query. Back in 2009 i took an 02 contract out and when the 2 years were up i had fully paid this off. Looking today it seems there is a £7 default on the account which only Noodle is showing. I am worrying as I am due to apply for a mortgage soon. I have…
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Why have these been treat differently on my credit file?
Hi there Looking for help from someone cleverer than me to help me understand the details on my husbands credit report. 2 debts - one Barclaycard one citicard, both for similar substantial amounts - neither can produce a valid CCA. Barclaycard debt being dealt with my Lovells (although it never actually passed to them on…
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If I pay off my credit cards should I keep them?
Just looking for some advice. I have four credit cards and one store card/account. This year I may finally be in the position to pay them all off. I've continually owed a balance on all of them since around 2004. In total I've made around 600 monthly payments across the five and out of those 600 only around 4 or 5 have…
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Small claims advice
We are currently being taken to small claims for a very small amount (less then £50). We feel we are in the right and are t&c's are valid. We received an email from the claimant threatening that he will bring an expert along at a cost of £750 along with a string of other costs unless we agree to his out of court demands.…
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Leaving the Country with an overdraft (Barclays)
Hi!!! I hope you can help me because I 'm going crazy!!:(( My situation is as follow: I left Uk in 2008 with 350 pounds overdraft, which I was willing to pay even afet I left. So when I came back to UK for holidays (December 2009) I went to the bank and told them my situation. I gave them my new address in Spain and I paid…
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Suddenly having to provide ID - why?
I applied for a TSB current account recently and had to take ID to a branch to complete my app. I also applied for the new Tesco current account and am being sent an application pack despite me having a credit card with them and reading that other people's applications have been completed online. I don't remember having to…
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sudden drop in credit score experian
A few months back my experian credit score was 800 and classed as fair this is despite having a few defaults on my file that were 4 to 5 years old. The only pet credit I had at the tune we an over draft with my bank of 800 that was still in credit. There match rate said i was eligible for a capital 1 card so I applied and…
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Default on credit file (1st Credit Ltd), mobile in friend's name
Hi there, A few years ago my friend needed a phone but couldn't get one as she hadn't been at her home address long enough. Silly, I know, but being the good friend I am (and also thanks to a very persuasive sales man!) we took it out using my name and address, using her bank details with her promising she'd switch to her…
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British Gas dispute affecting my credit rating! Please Help!
Hi, I have spent the last few years bringing my credit card rating up from years of being a rubbish student. I managed to get it to good and have recently been given a mortgage and credit card. I've just tried to apply for a loan to get a new business vehicle and my credit rating is showing as very low due. I've checked my…
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Help from Equifax / Experian rep
Hi, Can anyone working for either credit ref agency advise. My Son has been trying since Feb to change from Virgin PAYG mobile to Pay Monthly Sim...failed credit check in Feb, according to Virgin due to his date of birth. Went to Virgin underwriter who confirmed everything ok and to try again....failed again....told to…
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Noddle Credit Report Updates
Hi there. Sorry if this has been asked before but was just wondering how Noddle Credit Report updates work. My partner's bankruptcy falls off his file a week today and we have been advised by our mortgage advisor to make an app with him once it has dropped off. Now he has had his email saying that his Noddle Credit Report…
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No credit for 10 years - how to improve poor rating now?
Sorry to butt in on this thread but i'm new to this and can't find what i'm looking for. I'm finding it hard to get credit of any kind I haven't had any debt for over ten years and i'm guessing that's why i've got a crappy credit rating??? What I'd like to know is how to get myself back on the credit building ladder? (I…
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Credit report not showing a debit
Hi All, this is my first post so my apologies if it has already been covered in a different thread. Ive had 3 loans that have defaulted over 5 yrs (no CCJ) and im using a debt management plan, 2 of the debts are showing on my report but the other one isn’t. My questions if I applied for a mortgage how would the lender know…
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How long for payments to CC improve your rating/record
Hi all, Just a quick question. How long do payments in full begin to give a positive effect to your score/rating. Experian has dropped my rating/score due to an increased use of unsecured credit, i.e. My Aqua card. I pay the balance off in full each month for the last 5 months (when I opened the account) credit usage shows…
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Will paying one month make a difference
Hi, I was discharged from bankruptcy 3 years ago. I got a credit card last month, and am yet to pay the first bill for it. My son's birthday is in a month and I was thinking of applying for a contract phone. Will it make a difference if I apply now before I pay the first payment on the credit card or would it be beneficial…
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Failed direct debit knackered my credit rating. HELP!
Hi folks, I've just been refused a new mortgage due to a bad credit report. I've always paid things on time, so didn't understand why this was. I've got my report through from Experian and my rating is 639 due to 4 missed payments at the start of this year on some purchases I'd made on Very.com. I thought I had set up a…
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Experian
Ive noticed for the last 3 months, Since repaying my credit card they are not updating my credit file. Was 6500 now 4500 - So have reduced debt by close to 30% but this does not show up on file? Should i be concerned because currently it looks like I've got 6500 of debt and not 4500...
