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credit score question ??
hi i am basically after some advice? i have checked my credit score on creditexpert, Equifax , noddle this morning and i am a little confused. On Experian my score is 998 and showing one default ( what i know about) Equifax has the same details showing the 1 default i have and a score of 371 (fair) Noodle is showing 2/5 ??…
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Default showing after 6 years?
Hi all, I have been helping my OH with her finances for the past few years and have used a few of the tips on the Website Back in 2007, her then partner pressured her into taking out a number of loans with HFC finance which ultimately she couldn't afford to pay. All 3 of them defaulted at approximately the same time (Jan…
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Apparently I have a CCJ! But only one CRA mentions it!
Post deleted. My mistake, it turns out I can't read properly! I didn't have a CCJ recorded after all!
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What is a "Trace Enquiry" on my Equifax report
I've received my credit report from Equifax and it generally seems pretty good, and everything on there makes sense. Apart from one thing... There's something marked as a "trace enquiry" by a company I've never heard of for an address I haven't lived in for 9 years. It's listed as "linked addresses" rather than previous…
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Credit report Financial connection error
Hi all, Recently I tried to purchase a new car on finance only to my biggest surprise to find that I was declined! So then I tried a bank loan which was also declined... Alarm bells started to ring, so I decided to get my Experian credit file which came back as "Excellent" which only made me more confused. After some…
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Interim charging orders
I am now selling my house with the 1st charge to a building society. My wife and I are seperating and she has a restriction registered against the house giving her 75% of the equity as agreed by our prenup. I have just received a CCJ and that company have registered an Interim Charging Order but there will not be enough…
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Bad credit??? please help
I have never had a bad credit rating but yesterday got refused an account with British gas due to bad credit. I have recently taken out on my first mortgage and not made any payments yet. Could this be why I have been refused credit??? I cannot think of any other possible explanation, If this is the case how long should I…
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How to check for bank account to a persons name?
Hello, I am researching a business idea I have - an ID theft protection company here in the UK targeting a specific demographic and I have some general question regarding ID theft protection. As I understand, these companies check if there are any new bank accounts opened to your name and lets you know if there are. My…
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CCJ's
Hello I understand that CCJ's fall off your credit report after 6 years. However I came across Trust Online where you can search yourself for CCJ's. Do CCJ's show here until they are paid off regardless of duration? I have checked my credit file with Experian and Equifax, would it be worth checking this too? Thanks Phil
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nPower - CCJ on credit file for invalid debt
Hi, I'm not entirely sure if this is in the right place, forum-wise but if you could bare with me and any advice would be much appreciated. About 3 years ago i got an electricity bill from nPower for £1200+ so i phoned them and told them it was incorrect - they agreed and considered the matter closed. I didn't even have an…
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New in the UK and need advise
Hi, I relocated from Norway to the UK in the beginning of May. Left Norway with a good credit score and £14 000 in available credit (Most of it from American Express). Never carried a balance or been late on a payment on any of my cards... I was hoping I could just transfer my norwegian Amex Platinum to the UK, as this is…
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Old credit card reporting defaults
Hi, Around 2009 Nationwide credit card took me to court over a 2k credit card bill. I defended and won as they had no paperwork for the card. They haven't chased me since but they are still reporting the debt as defaulting to experian each month. Can they do this? Can they do this forever? I would at some point hope to…
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Can you reach a application lemit
I was wondering if you could get to the certain point with getting credit that they stop lending money to you ? My husband use to be able to get credit with no problems at all. were homeowners and his noodle report is 3/5 but all of a sudden (he needs to get a new cc to transfer a balance) he seems to be getting declined…
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Advise please
Could someone advise me how long a search will stay on my credit report for? my noodle account says that I am 3/5 credit rating which is good but I applied for 2 c cards last month and both did not get accepted. I want to apply for another one as my balance transfer rating is going uo soon but I am worried if I do apply…
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Improving credit rating
Desperate to improve my 'poor' credit rating, would like help with the following questions - * - I have 4 CCj's one is due to drop off my file in 3 months and one in 5 months, will I see an slight instant improvement in my score as these drop off or will it remain the same due to the other two still on there? * - The…
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which credit check company?
So I thought I had set up an account with noodle to check my credit. But after emails back and forth to noddle it turns out it wasn't noddle, so must of been with another company but I have no idea which. I used it from this site and used my debt card but was under the impression it was noodle and was going to unsubscribe…
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Building Credit - Pay rent by Credit Card
I have a long term goal of buying a house. I'm a long way off but determined to make it happen. I'm currently trying to build my credit to make me attractive to lenders. A friend suggested paying my rent by Credit Card and then clearing it straight away. I rent privately, never missed a payment in 8 years. Is this possible…
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TV Channel possible default
Question: I subscribed to a TV channel around Christmas time for a year. I was under the impression I was paying the subscription every month. Lost card round same time which I assume now stopped the money coming out - didn't think it would affect it then (didn't give it any thought). At the start of June I was contacted…
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Hitachi Capital Letter - Someone Using My Wife's Details?
We got a letter recently from Hitachi capital (HPF Personal Loan?), addressed to my wife using her maiden name (which she has changed on bank details but still has on some existing credit). It said that they were contacting her about a loan she has tried to take out, wanting to confirm the details. We have made no such…
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Credit cards confusion.
Hi guys. I'm new. But I read this place a lot. I have a few questions. I had a IVA nearly 7 years ago now after getting into serious issues. I cleared it, it's no longer in my credit file and I've rebuilt it in just over a year which I'm proud of. One thing that I'm confused by. I currently hold a Halifax bank account…
