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Multiple current addresses
Hi, is it possible to add multiple current addresses to Experian and Equifax? for example a second/holiday home? There appears to be no financial association even though there is a mortgage.
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Capital One Default
Before entering a DMP late last year, I was making minimum repayments to Capital One, of around £10 per month. Once the DMP kicked in, it was paying them £15 per month. However, within weeks of getting in to the DMP, and without warning, Capital One issued a Default notice. Not a warning, but an actual Notice, with no…
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Building credit
For a long time I had poor credit due to a CCJ. That dropped off last year. Since then I have tried to rebuild my 'attractiveness' to lenders. My main aim is to buy a house. I have been on the electoral roll for last 2 years. I have closed my 2nd bank account after clearing a £1000 overdraft. I have a Luma (high interest)…
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Credit rating rebuilding junk mail
Hi, For the last year or more I have been receiving fairly regular junk mail from a few credit card companies offering me cards to rebuild my credit rating at approx 40% interest. I finally decided I might as well use the 30 day free opportunity to check my credit rating on checkmyfile.com and my ratings are indicated as…
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Thinking Of Applying For Car Finance
Hi all With past financial indiscretions ending up in me taking out a Trust Deed and learning lots of hard lessons, I'm just about in a position to move on. The 6 year anniversary of entering the TD is in a couple of weeks so I picked up my 3 credit reports to find that most of my previous creditors have not accurately…
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Questions on CCJ set aside, default and credit file
Hi all. I've had a long standing issue with a mobile phone contract dispute which after 4 years resulted in a CCJ being issued. After seeking legal advice, last month I finally got the CCJ set aside. I sign up to Checkmyfile, which gives to access to Callcredit, Experian and Equifax, and the CCJ and original default is…
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Are 0% credit card providers able to check your employment details?...
Hi everyone, I wonder if anyone might know the answer to this........ When I asked the credit reference agencies recently whether potential credit card providers would be able to see activity on my current account I was told no. Do they actually check the employer's details that you give on your application or is it taken…
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Capital One Arrangement to Pay finished 2005 - Can I get it removed?
Just ran a credit report and Equifax is showing an AP with Capital One dating back to 2005. I don't remember this and all I know is I was earning good money at the time and saving plenty. On the report it shows the AP for the first two months (aug /sep 2005) and then all OKs until closed 4 years later. The account was…
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new ccj, offered an IVA - confused
I have just had a ccj against me for £4k (31st July). I had a call from a company suggesting I take an IVA, they went thru my total debt which is well under £10k and suggested an IVA was the best action as it's time limited. I am a new Mum and currently not working, my partner has a very new business and we rent privately,…
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Credit report showing payments as late.
Hi all, New user here so please bear with me if this has been covered before. Today, I joined experian to get hold of my credit report and was saw that one of my agreements shows 7 payments as being paid late in the last year. This surprised me as all my payments have been on time and never late. Further more, they show…
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should i just default??
so here the situation. i meet my partner 3 years ago i had very good credit he had poor credit ccjs thousands in unpaid debts etc. we opened a joint account as he wasnt even allowed a current account. anyway over the last 3 years we moved 4 times, i work part time now after having my son and my credit score is now poor…
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Close paid off credit card or keep open?
I have 3 credit cards and I have noticed my credit score has improved the more I have paid them off as my amount of borrowing to my available credit has decreased. I was at 85% and now I am down to 75%. I took advantage recently to balance transfer one of the outstanding balances on a card to another card to get 0% for 12…
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Updating of accounts by Experian
I am in the process of applying for a mortgage but cannot submit my application until my credit card is showing as clear on my Experian report. The balance was cleared on 13 July and I have made numerous calls to RBS and Experian to find out when the upload will update my account details. I have been told this could be…
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Equifax score and getting a mortgage
Hi had my issues in the past but all in the clear now. However I had two late payment marks on Experian from 2 years ago from an utility company. Had a serous excuse to be late and is been settled. Is not a default is just markers showing 4 late payments than 6 late payments. But equyifax score shows as 337 poor whilst…
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Date mismatch on credit reports for Administration Order
Hello All, Wondering if someone can give me some advise about my credit report and the way that the Administration Order (Like an IVA but for debts less than £5,000 through the CC) I have is shown. An administration order was issued by Northampton County Court on 4 Sep 2008. This was then showing on all 3 credit files as…
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Marlin shown as a default on credit file
My wife has a default shown on her credit file for a bad debt that went into an IVA. The creditor then sold the debt off and it was first dealt with by NRAM before being taken over by Marlin (who I believe may now be the same company). Ok the IVA completed in December 2012 and the IVA file was completed and closed in May…
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Default on credit report from when I was 14 years old
Just done a credit check as I was refused a Dorothy perkins store card. Looking back in 2008, when i was 14 I have a default on my account with express gifts. I don't recall buying anything and the original balance was only £25. Where do I stand with this? Surely a child cannot cause a default? Do i contact the company, or…
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Can I get a default removed?
Hi all, I'm very new to this site so bare with me, sorry if I've posted this in the wrong thread. I had a default issued with Virgin Media from an account setup in my ex partners house for my kids in my name. To cut a long story short my ex who agreed to pay the bill hadn't been keeping up with the payments which led to…
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Everyday Loans on my credit file
I have received my £2 credit report from Equifax and under Associate Information it shows my wife names and a source Everyday Loans Ltd. This information was last updated and created on 10/11/2007 on my credit file . On my wife's credit report from Equifax it shows my name and again Everyday Loans, again with the same…
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Unauthorised credit enquiry by Next Directory
I subscribe to Equifax credit alerts and I've just seen this on there: "An enquiry by NEXT PLC T/A NEXT DIRECTORY on 22/07/2013 has been deleted from your credit report." As far as I know I have never bought anything from the Next Directory. I have bought a few things from the Next shop but don't believe I have ever given…
