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Will Upgraded Bank Account Help?
Hi Folks, I'm just wondering if, as per the thread title, having my basic bank account with Nationwide upgraded to a FlexDirect account yesterday will improve my credit score? I've been with Nationwide ever since I entered and subsequently cleared my IVA, but my credit score didn't improve dramatically and I've had their…
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Would the Value of my Property affect the Score??
I've just checked my Equifax Credit File and the land registry figure for it is at the 2003 rate. I purchased the house 4 years ago and it is now valued at £110,000...(estate agent) .....whereas as equifax have it at £64,000.Would this be hindering my chances of getting credit.Equifax have me as good and Experian only…
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Can searches be removed from credit score ?
Hi, Ive had a company called 1st locate search my credit report on behalf of LCS, they claim I owe money on behalf of EDF from a previous address, when I spoke to EDF about this they claim that my account at that time was closed before the supposed LCS debt was made leaving a balance of £0.00, I relayed this to LCS in…
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Removal of default on credit account.
A few years ago I got into debt with Barclays. It took me a while to clear the debt and the bank to close the account with referral to a debt company to pay the money. I paided the owed £173 (I believe that's the value) and thought that was it. Upon viewing my credit status online on 3 different companies it said my…
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default
hi has anyone on here ever managed to get a default removed early from their credit file?
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Default Removal
Guys - can anyone point me in the direction of all the default removal template letters?
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Credit cleaning companies
Are there any companies out there who can help clean your credit file up? i.e advice etc. basically, I knew there are a few dodgy ones but are there any decent ones?
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What credit score is ideal to open a bank account?
This particular question has really been getting to me lately. Im a student about to start on my third year but recently got a part time job at a bank (Metro Bank, if it helps) which also means I have to open an account with them as part of my contract. This idea scares me a little as I only have a credit score of 817…
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Inaccurate entry by Lowell on Credit report
Hi Everyone A few months ago I noticed that Lowell Portfolio I had placed a default entry on my credit file for £21 due to an unpaid O2 account. This turned out to be an error and O2 bought back the 'debt' from Lowell and closed the account ( Long story short admin error by O2). Now once the account had been bought back by…
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Bt
I have noticed a default from BT on my credit file from 2012 - I have no record of the account nor did I ever receive a default notice, I have asked them for a copy of the notice and they have said they don't keep records for more than 2 years so cant issue me with one. Can I do anything??
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No credit history, strugging.
Hey all, I'm new here so Ill do my best to get it right! As a result of a abusive relationship which descended into a stalker, 7 years ago I closed my credit accounts, got paid my wages into my savings account and moved house. All was well but recently decided to get things back on track after my father passed away and…
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Overlimit
Can you please let me know how much a few things (that I probably should not have done) will affect my credit rating? I'm finding it hard to get credit, the last time I checked my credit rating it was 400ish on Equifax a few months ago. When I applied for a payday loan at "Sunny" through Topcashback I got the response that…
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Credit Advice
Closed thread
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Advice on Credit Score
Hi All. i had a few years of bad personal accounting and i sit today with a poor credit score around my neck! 295 to be exact. i have been declined for credit over the past few years because of this and have since settled down, pay all my bills like clockwork and earn above 35K a year, and i'm currently debt free. I will…
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Payday loan defaults
Hello I wondered whether anybody might be able to give me some advice on some defaults currently on my credit file. Due to some very stupid mistakes I missed some payments i owed to two payday loan companies, Wonga and Quickquid. Defaults were placed on my accounts, but within a few months i managed to pay back all of the…
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Amex Late Payment - Long term impact on CR
Hi all, First post from a somewhat concerned newbie. Unfortunately I was two weeks late making a payment on my AMEX last month. I have taken out a DD with them to ensure this does not happen again. I've called them up, apologised and asked for clarification if this is going to be reported to the CRA's. I've had somewhat…
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Black Horse change default date
hi In 2002 I took out finance on a motorbike with black horse, I defaulted on the agreement and the account was put as a default, as the 6 years from date of default was approaching Black horse changed the date of default with experian too 2010 some 8 years after the credit agreement was taken out. The only reason I can…
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Administration order and mortgage application
Not sure if this is the right place but here goes... If one person has an excellent credit rating, no loans or debts and a second person has an administration order (and presumably CCJ's) is this likely to effect a new mortgage application if made as a couple, once the order is paid in full? Or would it be better for the…
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shot up 300 points !
Hi all A cautionary tale and some advice please! a few years ago I wasn't as responsible as I am now, 6 years ago to be exact, where my last default was logged Since then I've worked so hard to pay my bills , I have 20 clean accounts, always on time, every time, and I settled that default some time ago - so it's been…
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Improve credit rating
Hi need some info on how to improve my credit rating. Had a lot of debt 10 years ago. Signed up for the credit report, got a basic bank account and now on the voters role. It says I have a fair rating of 838 but when I tried for a credit card to help it didn't get accepted. So I don't want to apply for anything else. Any…
