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Debt confusion
Hi :) I just wanted to know what the best route to take is: I defaulted on a car finance payment in 2009, will the debt be taken off my credit report 7 years after the default whether I pay or not? On the other had if I paid the debt in full this year would I have to wait another 7 years after I paid the debt off before it…
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Repeated negative entries from the same company.
Hi everyone, I went bankrupt in 2006 and since then have sorted my self out and recently got a mortgage. However one company keeps putting negative marks on my credit report saying that I have just defaulted on the loan that was in my bankruptcy 8 years ago. I managed to get it removed and thankfully got the mortgage but…
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20 years old financially responsible - Poor Credit Score (583)
Hi so I've done an experian credit score report and Its come back as 583. The reason I did this check is because I was refused to open a new bank account with the Co-operative. I have never been in debt, never gone into my overdraft and always made payments to Direct Debits on time. The only thing I have done is opened a…
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Reposting here: RE: mortgage applications & Credit report
If SO and I both apply for a mortgage together, and we don't get it, can he apply alone straight away? Or will there be a mark or something on his file?
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Will payment add to, and negatively affect, to credit file?
Hello, Having spent the majority of my 20's in debt, I eventually started to sort myself out. It's been a long struggle but I've paid most things off, have a climbing credit score, and have been obtaining and managing a modest amount of credit since then (mobile phone, car loan, credit card). My Experian credit file is…
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Issues with Debt Management Plan
Hi all, I really hope someone can offer some advice, as I am at my wits end with this issue. My wife and I took out a DMP nearly 4 years ago as we were struggling with unsecured debts of £50000. I can see light at the end of the tunnel as we are down to only £11000 left to pay. When we took it out I am not sure I realised…
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Hopeful of a Mortgage ???
Hi all i have been working hard on my credit file to improve as much as possible for a mortgage. I have a mortgage at the moment and have done since 2010. I have 4 Defaults 1 for a Utility company for £191 in may 2012, 3 Mobile Phones Defaults 1 for £234 and another £71 aswell as Another for £116 all from 2012. Will these…
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Will an old IVA affect my job application?
hi there i applied online for a job as a provident agent, in the application form i thought it said 'do you have any criminal record, bankrupty, IVA etc etc' so i clicked 'no' as our IVA finished in 2012. But after sitting in an interview and basically being told in a round about way i had the job i was aksed for my…
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What happens next ?
I run an online business and have recently received a Money claim order from an unsatisfied customer. We challenged the order as we felt we acted within our T&C's and sent off a load of document evidence to support our claim. We have now received a letter back that looks as though it states we will have to go to court over…
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Open University (or OUSBA) have ruined my life - can anyone PLEASE HELP
Hello all, I have seen there are some really helpful people on here and I am having a nightmare (hope this is the right forum). Last year I registered for a part time course with the OU and applied for a loan through OUSBA to help fund the course (it was about £450). This meat I had a loan (therefore credit agreement) and…
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Credit scores! ARGH!
getting everything in order for a mortgage application (i'm terrified), and my score went up on experian and down on equifax!? HOW does that happened?!
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Student overdraft and current account
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Credit Expert - when will cleared debt show?
Hi everyone, I have had a few defaulted accounts since 2008, so they are all due to drop off later this year. I also had one account with barclaycard that hadn't defaulted but had largely exceeded the credit limit a few years ago. I took the plunge 3 weeks ago & paid the £1600 off but when I log on to credit expert , it's…
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Credit Record Not Correct!!!
Hi all This is my first post. I did a credit report with the 3 recommended on this site. 2 came out good, but the 3rd site (Equifax)is showing a bad history for a different person at an address I've never stepped foot in. The only matching thing in the section is our first initial and surname. It's for BT bills that have…
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Insurance Searches
Hi everyone, Just wondering what the impact of these searches are? I don't use credit for my insurance as I pay it upfront each year, but on my Noddle report I have loads of searches which are noted as either General Insurance or Quotation Search. These are clearly generated by the market comparison sites that I used last…
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Electoral Roll Address doesn't match Post Office Address
I've encountered an issue where there are multiple addresses for my flat. Equifax and Experian are both telling me I'm not on the electoral roll and also telling lenders this. I voted the other week, so obviously I am registered. Speaking with Equifax/Experian is not getting anywhere, so I was wondering if anyone else has…
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Showing default for years!
Hi all, first time poster. I've been lucky enough recently (depending which way you look at it) to inherit some money. This money is to be used for purposes of deposit for a house, which I didnt think I would be in a position to do for at least another 10 years, so that means I have needed to get my house in order (excuse…
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Experian Representatives Help Needed!!!
I cannot believe a simply task of updating my current address on the Electoral section of my credit report could be so difficult and neither Credit Experian or the Electoral office have a clue how to resolve it!!! I contacted Credit Experian and was advised that my current address was only registered up until 2013 and the…
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Having a land-line as well as mobile
I am looking at putting a land line in because i've read that it favors you when applying for credit. Does anyone know which companies report to credit agencies. I was going to upgrade my Sky package to include phone and broadband but realised that Sky do not report to credit agencies so it would be pretty pointless. Thanks
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which credit reference agency/ies does which lender consult
Hi Apologies if I am missing it, and if this is a newbie-type question, but I thought MSE had a thread giving the exact credit reference agency or agencies used by individual lenders. Have looked (eg in this 'credit files' areas of the site) and can't locate it. I'm sure I saw one a few years back. Wd be v grateful if…
