-
Question about an old 2005 debt / Statute Barred Maybe?
Hi Guys, I've been reading loads on here about old debts etc. and I have this year been really trying to get my credit file in order (which I am having great success in). One possible concern I have though, I financed a car on 20/07/2005 with Black Horse, the car ended up getting written off with no insurance pay out in…
-
Wonga loan removed from Credit File
Hi all, I defaulted on a Wonga Loan and then had the fortune to be one of the customers whose loan was written off. I just checked my credit file this morning and the default has disappeared - interested to know if this has happened to anyone else?
-
Vodafone default affecting credit score
Hi, I took out a rolling contract in Sep 2013 and cancelled verbally over the phone in January 2014. I did not have any correspondance from them so took that as account closed. Having checked my credit report I have found a default from Vodafone issued in June 2014 for £92.11. I did not receive any correspondance stating I…
-
Advice needed Please
............................................
-
Talk Talk
I'm not sure if this has been mentioned previously, please accept my apologies if it has, however Talk Talk have started reporting my account to Equifax this week.
-
Credit Rating Advice
Hi all, New to this form and seeking some advice. I'm looking to get on the property ladder next year, and as such am saving towards a deposit and trying to get my credit file in order to secure the best mortgage deals. My question is; I have 3 arrears showing on my credit file from credit cards back in 2009. The last one…
-
New card when you are living on savings
I took voluntary redundancy in June 2013 and I am living quite comfortably on my savings and redundancy pay until my pension starts paying in June 2016. My income then will be in excess of £20k annually. I have 2 existing cards, a Halifax Clarity I use when abroad, and an M&S cashback card. I put all my spending on the M&S…
-
callcredit and noddle
I would like to get a Callcredit statutory report, but noticed Noddle does one for free. They are owned by Callcredit. Before I make my decision, what is the difference in terms of information held on the credit reports, etc...?
-
Experian statutory report - no instance access
Equifax and Callcredit offers instant access to the statutory report instantly online. Experian doesn't, as you need to wait for a passcode to be sent by post, which you use to log on to see your report. Why is this? Any chance in the future experian will offer instant access like Equifax and Callcredit?
-
I move a lot. Can I change my billing to parents?
Title says it; I move around a lot, and foresee that I will continue to do so over the next year. So I'm wondering if it might be a better idea to just be on the electoral roll at my parents address, as this is fixed and I don't see my mother moving anytime soon. I don't mind mail going there and she's happy to send it to…
-
Prepaid Mastercards
Are Prepaid Mastercards , reported on your credit file - in order to improve credit ratings? such as cashplus prepaid, The Virgin Prepaid MasterCard, not sure what the point to them over a debit card.
-
Incorrect default date on credit file
I got a cahoot credit card with £2000 credit limit in 2006 and stopped making repayment mid 2007. I ignored several letters. When I checked my credit file with checkmyfile I discovered they only placed default on it in February 2011, which means it'll come off in 2017. What can I do to get this removed? Any advice will be…
-
Drydensfairfax Solicitors
Hi everyone, sorry if this is posted in the wrong place. It's my first post. I've received a letter from Drydensfairfax Solicitor asking me to contact them regarding a personal business matter etc. I was concerned about receiving a letter from a solicitor so I Googled the name and saw countless posts regarding them chasing…
-
Please advice re ex name possibly linking to my new address?
Hello, so desperate for advice please? Two years ago I left our family home with my two children due to domestic abuse. We lived in a refuge for a few months, then got a house (we were on the homeless list due to abuse from my ex). I unfortunately had to go bankrupt..:-( Long story about starting again. Right now we are…
-
CCJ applied on statute barred debt - Lowell Portfolio
Hi there, Any help and advice would be much appreciated. Basically I checked my credit report a few months back and wanted to try and sort it out because my gf and I are planning on buying a house next year. The credit report showed a couple of debts from 2011 which I proceeded to pay over the phone. However, when on the…
-
Credit file after bankruptcy
Hi All This my first post here so please be gentle, I have searched the forum but there are so many threads I found it difficult to find the answer. I was made bankrupt in 2009 and was wondering when the order will be removed from my credit file. Is it 6 years from the order or 6 years from discharge. I have recently…
-
CCJ question
I've been doing a bit of searching around and I've seen conflicting information about how to get a CCJ marked as satisfied. I have one from 2012 which I paid off in full last week. Do I have to get the £15 certificate of satisfaction in order for it to be marked 'satisfied' on my credit report or should that happen…
-
Financial Association On Credit File
Quick one - I checked my credit report today and discovered an odd financial association. It's not odd as it is with my wife, but I have the following concerns: 1. The Source is "Moneio (Freestanding)" - I believe they are now Freedom Finance - and neither of us have ever had any business with that company. 2. It's dated…
-
Aqua Credit Card - Credit reporting
Hi folks, some advice if you can. I have a credit card with these guys and ended up in some drama with them over an alleged missed payment. End of September I lost my wallet, reported my cards missing and never thought much about it. My payment is taken by DD for the full balance every month. Short story is - Aqua charged…
-
Effect on credit rating?
Hi just looking for a bit of advice please. We are saving to move house but probably won't be for a year or maybe 2 yet. I am looking to lengthen the term of a personal loan I have so that we can save to move (house currently in negative equity) so we want to put all money we can into moving, my question is because I have…
