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Fraudulent Card Transactions
Hello, Firstly, I apologise if this has been asked elsewhere; a cursory search didn't return information about my exact question. I was contacted by my bank today about two fraudulent transactions on my credit card. One of them didn't go through, the other was made yesterday and apparently did. Regardless, they said they'd…
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Will defaults be removed automatically after time limit
Hi I have a couple of defaults that are now just over 5 years old (Scotland) will they automatically be removed or will the credit reference agencies hold them for the 6 year limit as in the rest of the UK Thanks
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Land Charges
Hello I have a question regarding charging orders. Me and the wife are looking to move in the next 4 or 5 years and something has got me thinking. Is it possible for a previous owner to sell a house or be made bankrupt and leave a CO on the property? The reason I ask is because the previous owner was made bankrupt in 2003.…
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Equifax slow to remove defaults?
Just a quick query guys. We have an appointment with a mortgage advisor tomorrow to arrange a remortgage and have been waiting til this date as my partner's last default should have fell off all 3 credit files yesterday (16/7/2014). After getting copies of all 3 today it is still showing on Equifax with the settlement date…
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Via Buy is it legitimate or Scam?
Hi, I am new to the forum. I saw an interesting ad the other day on FB about this Via Buy credit card (top-up). I tried to check if it is related in any way to Mastercard but I could find any info about trust. Seems interesting but I don't know if it is a scam or not. Anyone tried it or heard anything on that?
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How to view statutory report in Equifax?
Hi all, I have previously purchased an Equifax trial and identity-watch online and so have a user-name and password to log into the site. How do I now view my £2 statutory report online? The only thing it links me to is the £9.95 one :eek: Thanks
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8 new active accounts!
Need some advice, trying to build credit from scratch. I have 8 active accounts, 2 bank accounts, vanquis card, mobile contract, cash plus credit builder, bt home line. They all report to the 3 main CRA. My question is should I let them all run for about a year or close some. All accounts are 5 months old.
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Emigrating to the UK - build credit record fast
Hi Guys, myself and my fiancee are moving to the UK, we are not out to take out any loans but i understand alot of rental agents do a credit search, what is the easiest way to build a credit footprint in the UK upon arrival, I have set up a northern ireland bank account (sterling) and have it registered to friends address…
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Credit Searches
Hi All, How long does it take for credit searches to show on Equifax and Experian credit reports after a credit search. I applied for a M&S and Sainsbury loan during the application I was advised a credit check would be carried out. Both applications were declined and I was advised to check my credit files. I have checked…
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Cashplus Account overdraft?
Hi I have a Cashplus account (with CreditBuilder) for nearly a year - I don't use it except to pay £5/month as part of credit building. I recently received a text message from them saying that I have been "approved" for a £100 overdraft. Should I sign up and accept? Would this help further improve my credit rating? I will…
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RBS doesn't share date with Credit Agencies for Account opened before 2001
I couldn't find any information on this so I thought I'd post what I've found out in the hope that it may be useful to others. I knew from being declined for a mobile contract that my credit score wasn't very good. I haven't taken credit (other than a mobile contract) for the last 10 years so I put it down to this and…
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Bad credit rating
Hi a friend of mine has just borrowed 1000with a log book loan company at a ridiculous apr as he states he has a bad credit rating and he is using it to rebuild it. Total payable is 2800!! I'm trying to come up with a solution at a cheaper cost. He says he can't go for a conventional bank loan as would be refused yet got a…
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Getting a car through my business?
Hi, I have a poor credit rating and unable to get any credit from anyone however I have just opened a salon and business is going very well. Can I get a car finance or lease through my business? How long should I wait before I apply? Thanks!
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Lowell Portfolio search
Hi, I'm new to the forum and just wanted to ask a question. After checking my credit file I see an unrecored seach from lowell portfolio. I have had no letters or contact with this company and just worried in case they stick a default on my report, what should I do? Thanks
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Noddle
Just signed up and checked my file. I can't see that it's actually telling me anything but a credit rating of 1/5? I thought it would list outstanding debts etc but can't see any of that, am I looking in the wrong place or is the £30 a year fee they advertise on there what is needed before I see anything ?
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Previously agreed mortgage application rejected
Hi all! We got a mortgage agreed in January this year (we're first time buyers). We needed to wait until my Mums house has sold, which it now has so we returned to Halifax to get it sorted out properly. We had a different woman, which we weren't totally confident with. Anyway we were rejected because of my credit score. I…
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Still no aqua credit checker
Hi, Recently opened an aqua card and requested the aqua credit checker, its been longer than 28 days, I phoned aqua who told me I had to contact noddle but still no reply from them, struggling to know what to do now? Anyone any ideas? Thanks
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A question about removing a default
In 2009 I had a landline with BT and it was nothing but hassle so I cancelled it. (long story short they kept over charging me, admitting to over charging, apologising, then doing it again) I thought I had seen the last of them. But no. I looked at my credit file and lo and behold I have a default from BT! WHAT?! So I…
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Issues with Noddle/Removing an account
Dear All, I noticed last year an account on my file for E Credit Plus. I managed to get through to Commonwealth MArketing Ltd who apparently run E Credit Plus Ltd. They provided me with information regarding the account and after to-ing and fro-ing in January of this year it was agreed to have the account removed from my…
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Default on credit rating - issues with contacting company
So a brief background - recently my and husband applied for a mortgage only to be rejected on my credit history because there is a default on my history. I didn't know what this was, but the gent at the bank kindly showed me the report and said it was something from Next directory and that it shows on their system there is…
