-
Lowell portfolio
My grandaughter is being persued by this company for debts incurred in her name by a third party. She has advised the company of this fact and they agreed verbally to discontinue their actions. Recently they have undertaken three Experian searches. These searches have dramatically impacted upon her Experian credit score…
-
Debts removed from my credit file?
Hi All, please bear with me (newbie on site- but long time lurker), I have finally taken the plunge to get myself out of debt if I can - so have asked the 3 cra's for my credit file, I last did this in 2009, and kept the copy, I have noticed that a lot of the original debts that were on there have vanished, even though on…
-
Late payments
Hi everyone, Does anyone have any idea as to how long lendors take to disregard late payments on your credit file? We are wanting to remortgage but have late credit card payments showing on the report. Which can't be good.
-
next steps?
Hi all, I've been trying to fix my credit for years now, and have reached a place where I feel I've now got it the best it can be. It has been updated today reflecting the clearing of my credit card and I now am using 0% of my available credit and have 0 missed payments in the last year. (I know the score is irrelevant but…
-
Will defaults on my credit file affect mortgage application with Partner
Hi All I have 2 Defaults on my credit file one for £377 and the other for £69 Argos and Santander respectively. These are settled in full. Santander is 4 years old and the Argos one is 2years old. This is obviously having an adverse affect on my file. I have a 'bad credit' credit card that i use and pay off each month…
-
Help Refused mortgage for 19p?
We are trying to buy a house and using Leeds building society for mortgage. They have refused our application based on adverse credit. On my report it actually says I have excellent credit score but that I'm a poor payer based on missed payments from e-on. I called e-on to discuss and it turns out that in 2012 I missed a…
-
Default From 2012
Hi guys I have a default on my credit record from 2012 that i think is affecting me from getting any credit and me and my partner are looking at buying a house next year. Im positive i paid this off but i can't find the proof is there anything i can do about this? thanks
-
CCJ now High Court writ
Apologies if this is the in wrong section, I'm new to all of this. If you can help I will be eternally grateful. Any advice welcome. In summary, I'll try to keep it brief for now. My former partner and I split 11 years ago and a debt from back then still hangs over us. Our son of 13 years old is the only thing keeping us…
-
Is my credit file being hacked?
Responding to an alert from Equifax, I found that a change had been posted to an expired credit agreement Is it possible that someone can spoof "BT CONSUMER" to access my credit file? BT deny that it was them. Or am I wrong to suspect conspiracy? Love and Peace, etc
-
Default due to expire on credit file
Hi Does anyone know how much a default 'dropping off' my credit file will increase my credit score with Experian? Thanks
-
Next credit searches when opening an online internet shopping account
Hi all, Just wondered if Next only do a credit search on you when opening an online account and not every time you purchase an item? I'm considering opening an online account, lured by £10 off the first order.
-
cancelled eqifax but they still charge
Anybody had the same problem I called and got my free credit report from equifax but called up and cancelled before they charged me which has now resulted in me getting bank charges. So I called them up to see why they said they would refund the amount but not the bank charges, even though they said I had called to cancel…
-
noddle removed defaulted account
Hi all, noodle have temporily removed a defaulted account as the OC has not responded to a dispute I raised regarding the fact the default was added whilst the fos was investigating a complaint on the account. Can anyone tell me if I can get the other cra's to do the same until the OC replies. Thanks
-
Experian representative. Your explanation please ...
There is a case a person has a default and bankruptcy for less than six years, have not dropped off from the file https://forums.moneysavingexpert.com/discussion/comment/66278629#Comment_66278629 The person still get score 964/1000 average allegedly being 808 ... look at particularly from Post #1 from OP post #12 by…
-
Collectica notice of enforcement
Had this come through yesterday no idea what for. 640 said partly for magistrates costs. No prior letters, bills court letters etc. I paid as currently got a mortgage app going through. Collectica where horrid on the phone didnt help. Will I get a ccj? It says for a tce 2007 warrant act to keep a vehicle which does not…
-
Debt not recorded on Credit file
Hi, i have been in a 0% interest debt repayment schedule with Lloyds since roughly 2002, I got into some trouble with loans and it was all consolidated into one monthly repayment. I've since signed up to Experian, Equifax and Noddle (This month) and none of these show this outstanding debt of £6k or my monthly repayments…
-
British Gas / Credit score
Hi All, after some advice on British Gas please. So I am currently with BG and missed a payment a few months back. I've been with them for about 2 years after buying my first house. Ive never missed a payment before etc. Im trying to remortage at the moment as my deal is up very soon. I checked my credit report and Its…
-
SOLVED: Evolution Banking Limited mysterious default!!!
I've just checked my Noddle report, and I find a new entry by Evolution Banking Limited, and its a default for £1,797!. 1. I've never even heard of this company, 2. I've obviously never had any of their products. Evolution Banking Limited £ 1,782 21/07/2014 Default Name Mr ****** Address ****** Date of birth **/**/1989…
-
Can a creditor cancel a CCJ claim?
Can a creditor cancel a CCJ claim if I call them and offer to pay in installments? Is it possible for them to withdraw the claim? I have recently received a claim form from a credit card I had years ago, I am on track to be debt free in 4 years and don`t have the money to pay this claim and it would add 6 more years onto…
-
Deleted Credit agreement???
Hi all, Im hoping someone can shed some light on this for me. Long story short my credit score is pretty dire; 211 to be exact. I am currently trying to sort it all out and increase my credit rating. I obtained my credit file a few months back and it had a huge list of creditors I did owe money to, got into trouble with ie…
