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Lloyds declined my application to upgrade basic account
I was told, when I logged into their online banking, that I was eligible for an upgrade. I decided to upgrade to their classic account. I didn't want an overdraft. I received today their response and I was declined based on my credit history it appears. I was very surprised. I opened a standard Barclays account with no…
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So Confused.....Please Help
Hi All, So I am totally new to this and having trawled through numerous posts, I can not see a similar question being answered. Myself and my partner are looking at getting a mortgage either November time this year or in March. Mainly these timings because I have a default that doesn't come off until March. I am still…
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Credit file closed account query
3 months ago I finished settling an old debt I was unaware of but was on my credit file. I set up monthly payments and it shows up as 'satisfied' BUT the following months after that it has default beside the months. Is this normal or are they still trying to collect something that isn't there?. No money has been taken from…
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Credit rating after mortgage arrears
Hi, looking for some advice. We had mortgage arrears of a few months a couple of years ago. We set a agreement with lender and kept in constant contact. We paid of the arrears a few months ago and just wondered how long this would effect credit rating and how badly. The only other thing was a loan with our bank which ended…
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Account showing delinquent
Hi everyone, I will try and keep the wording to this simple as the people at the company in question don't seem to understand what im saying. I entered into a repayment plan with 3 credit card companies just over a year ago. All three agreed and I started making my reduced payments. Two of the companies updated my credit…
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Agreed payment still showing as late on my credit file
Hi all and thanks to those that read and doubly thanks to those that can advise me. I have been having a nightmare situation with co op loans. I took out a loan with them back in November 2012 and have been in constant hell with them since. Let me explain my situation. They gave me a loan in November I moved house…
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Incorrect ccj noddle
Just been rejected for a 5k loan which I couldn't understand, got my Equifax and Experian file all appeared fine, then got my Noddle/Call Credit and there is a CCJ logged against me and my OH, checked registry trust nothing lodged. We did go to court back in 2009 with The Funding Coroporation, but this was flung out and an…
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noddle help
So I signed up with noodle trying to get my finances in some sort of order. I've used noodle once handed my debit card over to make the account and now I can't seem to get back into it. I keep emailing noddle for help but no having much luck with them. They said my email isn't registered with them yet it's the only email I…
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Will removing my name from our joint mortgage affect my credit rating?
At the moment, my Wife & i have the mortgage (& house deeds) in our joint names. We have been looking at changing mortage providers. She's on a higher salary now and i have become self-employed. The mortgage we've now been offered to change to is based on her salary alone & would require my name to be taken off the…
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Getting AP marker from Lloyds removed - HOW? (possible?)
I have just got off the phone to Barclaycard to arrange a late payment marker to be removed from my file from 2012, which was relatively easy and successful so I am now wondering whether to take on Lloyds for an AP marker. Long story short: - went abroad and switched a minor transaction which took me over a/c limit (forgot…
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Can you explain defaults to me please
What is classed as a recent default? If on my credit file there are defaults showing up for May and June are they still classed as recent if the account was opened in 2012? Thanks
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Please help me urgently
I have just been looking at my credit file. Under closed accounts there is a listing for a settled account for Shop Direct Finance Company LTD. The account was opened 08/02/11 and closed 29/10/11 with £400 being paid every month. The thing is, this wasn't me! I don't remember taking out any such account with them. Is it…
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Cancelling Credit Expert
I just registered with Experian Credit Expert just to get the 30 days free and find our my credit report (984 and excellent apparently), but how do I now cancel it? Can't see anything on the website and don't want to leave it for 30 days as I might forget.
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Two Credit Reports with Equifax
Hello, I have a little query that I'm slightly confused about. Sorry this might take some explaining.... Ok so I must have signed up to Equifax several years ago (old address) but I never got my free credit report. So recently I signed up to Equifax (current address) to get my free credit report. So I logged into my…
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Experian accounts disappeared and Equifax scores very different
Hi, I just checked my report on experian and the scores this year have looked like this 14/01/2014 - 831 07/02/2014 - 693 10/02/2014 - 730 26/02/2014 - 711 04/03/2014 - 731 06/03/2014 - 773 15/07/2014 - 948 February - the dip is probably due to a car loan i took in December and took till then to register so my level of…
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Paying off debts in full
Hi Forgive me if this topic has been raised before. My partner and I have been on DMP for approx 3 years, we have paid off 19K. Fortunately we are in a position to be able to pay off the remainder of our debt which is 11.5k. As we have been on a DMP then our credit score has many defaults and late payments so is it worth…
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Credit file clearance
Hi All, I have just passed the six years from my Bankruptcy and have checked with Call Credit and it states that there is one default for a Bank Account. It was with Smile which is part of the Cooperative Bank which I have a Cash Account with. The Last entry they have is 19/08/2008 although I was officially made Bankrupt…
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Credit FIle Confusion
Hi all, in dec 2007 I took out a hire purchas on a car for £6,282. In April I hit black ice a totalled my car, I was in a coma for a bit and I know my insurance covered most but there were a couple of payments still to make which I thought I have made and cleared however over the past 12 months I have had a ton of debt…
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Car finance?
Hi I wondered if anyone could possibly give me some guidance. I don't have the best credit history in the world. But wondered if this would make it more difficult getting car finance? I am unsure if it is, because obviously the finance will be secured against the car and obviously if payment isn't made (which it will be)…
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Barclaycard
Hi all - first post. My situation is this - I used to have a credit card which I have accumulated £2600 debt on. In 2012 I found myself in a situation due to health reasons whereby I could not pay this debt off, I wrote to them and they stopped chasing me for the debt and froze all interest. I was threatened with a default…
