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No details showing on Equifax report
Has anyone else had problems with no details showing on their Equifax credit report? I've recently signed up as I needed to apply for a credit card and had to provide ID docs as they couldn't verify my identity when registering online. Now I have provided the details and checked my report there are no details showing other…
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Deafault from yorkshire water
Can someone help me?? Over the weekend I opened a letter from the water authority that was posted to a new property I live it however it was for a previous property that I used to rent. The letter was dated for april this year and advised that if I did not make a payment they would enter a default against my credit record.…
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Default rules
Can someone clarify for me please. Have a provident loan I fell behind with about 7 years ago, I have asked for the original default letter as don't remember receiving the letter and the address they have been writing to has the completely wrong postcode. They have informed me they didn't sent a default letter as they…
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Current bank account not on Credit Report
Hi, newbie here so go easy. I'm in the process of building my Credit File having been stupid in the past. All the 'badness' has disappeared as it was a brave while ago. My current bank account doesn't show on my credit report. Is this problematic? Its a standard account with Ulsterbank with a £250 overdraft (which I use).…
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Duplicated default from OC to DCA
Hello, I have recently been trying very hard to repair my credit rating and have found the whole situation to be rather confusing so would appreciate some help. I have cleared all outstanding debts however I am now challenging some of the defaults. I have a record on my credit file of a default from Barclays in March 2010…
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Virgin Media record at my old address?!
Hi I have managed to finally sort myself financially and the last default from my troubles a few years ago has left my file last week. I only have one issue to deal with and that is a Virgin Media entry on my report from my old address. It has not been defaulted, and states that it is up to date and that my balance is £85.…
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Paying Collection Agencies
Apologies if this is a duplicate thread. Basically I owe Lending Stream £590. I don't dispute this and am now in a position to repay them. I recieved an email from CRS telling me they are collecting on behalf of LS. I have rang up and set up a one off payment for the end of the month with CRS to repay the entire debt. On…
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Financial Associates Advice
So i recently sold a house with my ex (circa 9 months now) and the other day I decided to get a credit check on myself, as I am now looking to purchase a property solo. I used equifax as they had a free service and I was shocked to see my credit score in the orange with a 225 rating! I think the fact i've moved back into…
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Catalogue Question
Good morning all, I apologise in advance if this is in the wrong section. I have a personal account with Fashion World which I rarely ever use, and also a personal account with J D Williams which I have maybe used once. There is a small balance on my fashion world account and nothing on the J D Williams account. I've just…
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How accurate should electoral roll dates be?
Hi Got my Experian £2 credit report and noticed that it says I was at address 1 until August 2011 (was August 2010), and address 2 from October 2010 (was August 2010). Is this something that the councils just put through at certain times hence won't always match up depending on when they put it through, or should it be…
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Are credit report enquiries recorded?
Hi guys, Can a credit report tell you if the six year expiry of a debt has come into play and the debt has been wiped clean? And if you check your credit report is it recorded? Can your debtors see if you've checked? Cheers Spacemagnet
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Credit checking
Hi! I have had to grow up very quickly and take control of my finances, after hitting (for me) a record of just over 4k worth of debts this year, and I am working hard to rectify this. I joined two of the biggest credit credit rating companies currently operating - see below for current score. As I am pretty new to keeping…
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Bad credit score
Hi I am looking to enquire about my credit score. I have a poor score with experian of 607 and equifax of 480 which is really poor. I had 3 defaults which I cleared in May past (2014). What way can I get my credit score to improve so I can look more favourable to a lender for a mortgage as I have the job and deposit needed…
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tesco mobile default
I have a old account for a £6.50 sim only contract that was with Tesco mobile, (it was one of the children's phones ). A couple of years ago I got them a new phone on contract when they started secondary school and I thought this account had been closed down(my wife rang to ask them to close it, as the main account holder…
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M&S Card, Credit Checking Partner?
This issue is mentioned in another thread, which is mainly concerned with CCJs and other matters, so I raise the particular issue again here to canvass more specific views. When applying for an M&S credit card the company invites you to enter details of your "partner" - the usual stuff; full name, DoB etc. The information…
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Default shown up on credit search during Mortgage application
Hi All, I am currently in the process of purchasing my first property for which I have applied for a mortgage from Lloyds. In preparation last year I checked out my credit report with Experian which showed everything to be fine. I have just heard from the bank to say that there is a default showing on an address which I…
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Old Arrangement to Pay
Good morning. I was recently turned down for credit, so I checked out my report. An old debt I had (cleared in 2009) with natwest was passed to Triton, and for some reason at the time they couldnt set me up with a direct debit. So i phoned them up each month and paid as much as I could. Turns out every month for 2009 had…
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Stanford and Green bogus letter???
I have revived a letter today from Stanford and green civil enforcement saying that i have an outstanding balance of £840.12 in council tax. the problem is I live in Yorkshire, the company is based in London and the south and deal with problems in that area. I have never NEVER missed a payment, or had another letters…
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How long to update if short term loan
Hi Sorry if this angers Wonga borrowers as they are often on here saying that Wonga et el reports on credit file and this leads to all problems, well I've had nearly 5 months with Sunny (Think Finance) and checking report today shows payments not recorded there! admittedly I diverted away from the repayment schedule at…
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partner showing on credit file as financial associate
I signed up to the Experian free trial (purely to get free cashback and I plan to call and cancel before the end of the trial) and I noticed that when M&S did their credit check for a credit card application which was successful, they have created an association with my partner. It is something about a proposal form. I…
