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Excellent Credit Score but missed payment
Wondering if anyone can offer some advice? My husband and I have applied for an addition to our mortgage - we heard back from Santander yesterday and they say that whilst our affordability is ok, we have been refused as we have a problem on our credit score! I checked Experian and my credit score is 985= Excellent. However…
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CCJ not being paid
Hi, not sure if this is right place to post this, Am owed money by somebody and did the money claim online, Judgment was served, but still haven't received a penny. the total amount owing with the court fee to start claim is £410. I'm led to believe that I can't get a warrant of execution for bailiffs to go round, as the…
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ERUDIO evidence
Can anyone please advise about how to calculate rental income for these people? I am stuck. My bank statement and tenancy agreement, which they ask for, do not show any expenses taken off. Do I have to include all evidence of expenses. They don't mention this, unless i have missed it somewhere. Would this need to be on…
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Account marked as 'Satisfied' yet lender still wants money.
Hi All, I'm a UK resident, self-employed, and I had a credit card with Halifax. Back in October 2009 my work dried up completely and (like a lot of people at the start of the UK recession) and had to default with a balance of nearly £16,000. All my other debts, mortgage, etc, have all been paid by my wife (I'm sooo lucky)…
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Yorkshire Water - Financial Association
Hi All, Happy Friday! I tried to search for any similar posts but couldn't find anything so please bear with me. I have just recieved notification that my updated Noddle credit report was ready. Having just viewed this I've noticed that Yorkshire Water have created a financial association between myself and my house mate.…
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Will a default affect my credit rating?
Hi, My partners son intends taking out a 25K loan and uses my address as his mailing address because he lives in a caravan. If he defaults on the loan, will this affect my credit rating which is currently V Good?
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UC on credit file
Hi all Whilst checking my credit file recently I seen particular months recorded as UC even where I have made payments on a bnpl account from very. I am worried as I think it can be misinterpreted as a late payment. Can anyone pls explain what UC refers to and whether it's worth challenging the lender to correct as paid or…
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Applying for a loan
Hi all Unfortunately after years of being a careful and responsible borrower I have ended up with a late payment and a query on my very account which has been registered on my credit files. Devastated!! I've paid the item off in full and considering closing the account. THis is due to an item I believed was on bnpl yet the…
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Why has my credit score dropped dramatically
Hi As early as 3 months ago I had a 4/5 credit rating with the company "callcredit" but I've now seen it drop to the bare minimum 1/5. I have around 6k worth of debts, spread over 2 credit cards and 2 loans. I never missed a single repayment in all the time I've had this debt or on household bills. I should be debt free in…
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CCJ that has been set aside - next actions
Hi, I found out some months ago i found had a CCJ against my name that i wasnt aware of, so I called the court did some investigation. I found out it was in relation to a park collision that i was involved in. At the time this went through the insurance, and they agreed equal responsibility for it (both parties insurance…
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Credit Repair
I understand that there are probably hundreds of threads on the exact same issue and I have attempted to read through possibly months of them in the process. I am currently attempting to repair my credit file after a couple of defaults 4 years ago. To do so, it seems that in order to obtain future credit, I will need to…
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CCj that wasnt mine - now bad credit?
The last couple of years I have started a new carear and never thought about my credit history in the past. I wanted a loan for a car, so applied for two and got declined, tried credit cards and got declined, never thought much of it, thought it was because i was young and had no credit history. I then opened an account…
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Experian background check
Hi! I have one ccj which has been paid and disclosed to work. They're about to do an experian background check which I understand isn't a "full" credit check. I've got pretty woeful credit but would a background check show up any defaults or just the ccj? I did have a court fine (very stupid) for not paying a metrolink…
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Credit Report
I recently got my credit report and I have a few settled accounts with quickquid which were all settled on time but they kept being updated should this be happening?
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Desperate please please help
Hi there i really need advice im so worried. my hubby has left me and wants to sell the house. the house is in his name only but he has said that he will give me money etc and help me find a flat to rent when the time comes as he wouldnt want me to be destitute as he still cares about me. i so scared as i have 10k worth of…
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What do lenders see?
Hi What exactly can lenders see on your credit report? thanks
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Is credit report preventing a new bank account
Hello, I've recently settled debts with creditors and I'm finally debt free. I'd now like to open a regular high street bank account, however I'm not sure how to proceed. My experian credit report is showing a status of 'Default' on all except one entry which shows as 'Satisfactory' (the website address below shows a copy…
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Cash card account effect credit rating?
Hi Was just wondering if cash card accounts effect credit ratings? I already have 2 normal current accounts several credit cards (paid off) but just wanted something to use as a pocket money style card. Many thanks in advance
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Credit checks for a mortgage dating back 9 years
Hi all, I am at my wits end and apologies if this is not in right area but I applied for a mortgage with Bank of Ireland last year with my partner and were fully approved, ready to go however the house fell through and we recently found another house so went back to the bank to re-open our mortgage approval as the 3 months…
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How many credit cards is bad for your rating?
Hi, I've not posted on here for a while but thought this might be a worthy question. I'm sure it gets asked over and over again but based on everything I've read I haven't found the answer I'm looking for. Basically I always apply and get accepted for 0% purchase cards. I now have 5 credit cards, one with M&S that I've had…
