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Getting info on my CCJ
Good evening everyone, A few years back (2010) i had a dispute with a company that resulted in me being given a CCJ. In short here is what happened. My girlfriend decided to become an Avon rep, when she was signing up the person representing Avon convinced us to open an account in my name too, as this would allow her to…
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Settling defaults
Hello I know from reading these boards that some people will advocate paying off debts that have been defaulted even though they drop off your report - others will advocate the paying of them. I wonder if anyone could help me, well, perhaps not help per se, but perhaps offer an opinion as to which is best? I have just gone…
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Total available credit V amount of credit used - should I reduce credit limits?
Hi, I'm hoping you all might be able to give me some advice. I'm about two years away from needing to move house and want to maximise the chances of being able to get a new mortgage. My credit score is a bit worse for wear (currently showing 3/5 on Noddle) and I want some advice on how to manipulate my finances to increase…
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default debt paid will this restart the length of time on credit file
hi everyone. hopefully an easy one to answer. Whilst checking my credit file i noticed a small default of 32£ from an address i previously lived at i have contacted the company and paid it off right away. The default had been on my account since November 2009. Will this restart the time on my account or will the default be…
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Erudio student loans
Good afternoon everyone,I am at the point of pulling my hair out with this deferment process.i have 2 very part time jobs and earn nowhere near the threshold for repayment.i have sent employer letter,wageslips,accountant letter,p60,3 months bank statements and now a letter from my husband saying he provides for us.many…
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Going over limits
Just looked at credit file in more detail and can see me and hubby have been over limits quite a few times between 2012/2013 on visa's, only by a small amount and always paid off well over min. Paid everything off jan this year, just wondering on how this would look on mortgage app, and how long clear before it will have…
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New Credit Agreement on Credit Report
Please may I ask for your advice. I used to have a store card through Debenhams and with a zero balance I closed the account and got rid of the card. In April 2014 I had an alert that a new credit agreement had appeared on my credit report. I had not taken out any new credit so was very confused. I managed to phone up the…
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Credit file inaccuracy
Hi On my OH credit file, there is a settled hire purchase agreement. All payments on time, no problems. However I have noticed the date of birth figure given with the one of the credit agreements is wrong. The day/month are fine but the year is a couple of years out. The DOB under the 'personal information' section is…
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Credit Scores - What do they really mean?
I've been keeping an eye on my "credit score" for the last few weeks due to a large mortgage commitment I want to apply for. My file wasn't as squeaky clean as I would expect so I've done a lot of work and now it's fine. However, one thing I've seen crop up a couple of times is the 'fact' that "credit scores" are…
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Energy Companies recording default
Hi Can someone advise me if the energy companies were allowed to post defaults on your credit files between 2008 & 2010? If so, does anyone know which date/year they began to do it???? Thanks
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Partial Settlements on Credit Cards & Loans
I have a number of debts on Credit Cards & loans but have been trying to manage these for a number of years through PayPlan on a debt Management plan. It has been running well and following a review of my credit file, some have come off as older than 6 years and the biggest one (which is a CCJ) is due to come off my file…
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Help with credit rating
Hi, I have recently checked my credit rating and have found a delinquent account from Barclays which was handed over to a debt recovery company. The debt recovery company also have this recorded on my file. Should there only be one recording of this or should both be showing on my file? This debt has been paid to Lowell…
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Defaults
What exactly is a default?
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Defaults
I stopped paying a payday loan that i had taken out with PaydayExpress about a year ago. I set up a plan to pay back but only made it halfway through. The original debt was for £600 and i am certain i had paid off at least half of it (i have the bank records to show). However on my credit report it is showing the full debt…
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Natwest
Hi Guys Does anyone know which CRA Natwest use for lending applications. Many thanks Kelly
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Credit score
Hi I'm in debt management with my credit cards and now paying them back can i get a better credit score than i have.any answers would be great. thanks Mr B
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How do they know you're you and not someone else with the same name?
Just a quick question - if you're not on the electoral roll (I am in case you're wondering and have been since I was old enough to!) how do they know if John Smith applying for a credit card is or isn't the same John Smith who has defaults at X address he used to live at? If he wasn't on the electoral roll til for example…
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329 credit score + £20,000 debt but just inherited a lot of money. Help please!
Hello all, apologies if there's a similar forum posted however just wanted to get some advice about what to do financially with some inheritance coming next week? I'm 26, excellent career prospects (still in training at the minute though), share a rented house with mates so only pay 350 all in, clued up upstairs however…
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How to get a default off your file
Hi I plan to apply for a mortgage in about 2 years time and so have finally sorted out my debts. I have number of pay day loans that are in default on my credit report. The question is as I now have come to a payment arrangement will these defaults come off my report at some stage or will they not come off until the whole…
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Santander - My Offers Page
Hi All, Sorry if this is in the wrong forum page. I have banked with Santander for nearly 2 years now and there is an icon on the online banking page when you are logged in which says "my offers" since I have had the account there has never been anything there other than a savings option. I have a CCJ which is due to…
