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Worth getting a copy of my Credit Reports?
I've not done this for 2 years, except check my Noddle one. Is it worth getting a copy of my credit reports from the various providers, especially as not all of my debts / information is on the Noddle one?
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Online access to credit data
Anyone know if you can purchase online access to credit data (Experian) without also having to buy such things as identity theft insurance and other stuff. I know you can go for the trial then reduce the service when you try and cancel, but I can't see where you can sign up for just the report (unlimited access).
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never had any credit before
Hi, I'm 25 and have never had any credit whatsoever. No phone contracts, no credit cards, no loans and nothing on finance. all i have is a bank account and debit card. however, I would like to build my credit in order to apply for a loan in the distant future, what would be the best way for me to delve in to the world of…
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Rapid Rescore after clearing debt
Hi, I will be clearing my credit cards next week and was looking to applying for a mortgage soon after. Normally banks take a month to update the credit agencies but I have found something called a 'Rapid Rescore' and was wondering if anyone has experience on knowledge on whether banks will do this if I ask nicely or is…
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credit application address fraud
My ex-lodger has been using my address to try to get credit. A letter of refusal arrived this weekend, which is how I found out. He left 6 months ago. He was never on the electoral roll at my address. What do you suggest I do? How can I find out if he has used my address for other applications? Does it affect my own credit…
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CCJ payments confusion
Hi, sorry if this isn't the correct place, but I thought it was the most suitable out of the given forums. Last may I got a ccj for an unpaid electric bill, I filled out the income sheet and the court agreed to payments of £1 by the end of each month. My first payment of £1 was made on 31st may 2013, long story short, some…
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Credit Experian
I've recently tried to get loans for a new car and found out that it's just not going to happen due to a debt from back when i was 18 (im 26 now) in which i got my dad a car and he never paid for it... So i decided that I wanted to log onto credit experian and see my debts and start to sort them out. I couldnt log on so…
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Defaulted by barclaycard then again for same debt by Lowell
So I defaulted on 20/5/2010 with my barclaycard and a balance of £324. Then Lowell Portfolio Defaulted me again for the same date and balance. Can they do this? The debt is now being paid monthly to Lowell but although the balance is going down on Equifax there are no monthly green tabs just the red default so i feel like…
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My debt management plan
Hi, I have a DMP with cccs and have about £5000 left to pay. My question is, when this is paid off how long will it be before i can start to rebuild my credit file? What is the best way to rebuild the credit now or can i not do that as i have a DMP? Any advice?
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Credit file slowly building
Hi all I had a bad few years and allowed my once excellent credit record to slide into a bad mess. Up until 4 years ago, i could get credit very easily however a job loss caused me to let it all slip. Anyway, I have 2 current credit agreements and today got accepted for BT broadband and phone etc. Do BT report on my credit…
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To pay or not to pay
Hi all, new member looking for some advice on clearing up my credit file. I am looking to improve my rating, was down around 300 last year but have managed to get it up to 450 & have a couple of "clean" catalogue accounts. I have the following showing on my file & would like to know if it will make any difference if I pay…
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Ancient account being held to ransom
Hi, I had an account with Halifax and just as the claiming back your bank charges scandal I closed my account - to my knowledge this was the end of it however I have recently looked at my credit file and found a debt recover agent is claiming I owe the Halifax £1400 and that I need to pay them the money. I have no idea how…
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Bluestone Credit Management have acquired a cleared debt
Hi All, first post. My situation is this:- i had an old HPI account with park motor finance that i cleared off in january 2014, i owed say £2k but negotiated with them for a one off payment of £1400 to clear and close the account. Park motor finance were very close to going into administration at the time and appeared…
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Low Credit Card limit = bad for credit score?
I have just been looking on my experian report and it states that my credit limit is a negative marker on my file. However in the positive section it also states that my low utilisation is a positive factor. Would these cancel one another out? Is the first even valid with 24+ months of flawless use? It's all very daunting…
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Cost of cleaning up credit reference report
removed the original post
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Noddle Credit Searches
Hi Friends, This is my second post on Noddle guys. This time, I checked my credit report on Noddle and found that they searched my file twice in past and their name appears on my Search History section. This is how it prints: COMPANY - Callcredit Noddle PURPOSE - Consumer Credit File Request DATE - 19/04/2014 Same appears…
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Help! I have a CCJ! Parking Fine
I'm very worried and wonder if anybody has any knowledge on this. I moved out from my brother's house a few months ago and thought I'd transferred everything to my new address, but I've now realised I forgot to update my car log book. Anyway, in March I went to an exam in Cardiff which was in a hotel with a car park…
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Acaw0068
Hi, My (free) Equifax credit alert is showing that there's a new credit agreement for the company name of ACAW0068 which is classed as a 'Public Utility' account type. I've done a google search but nothing seems to be coming up. I've not recently changed any utilities - anyone have any ideas who this may be at all? Thanks…
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Difference between soft and hard search for a loan
Hi all, Probably silly question time but I'm curious as to what prospective lenders see on a soft search, how different is the data to a hard search? I know soft searches leave no visible footprint. I've tried googling but can't find a definitive answer - maybe there isn't one..... Thanks in advance.
