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Now I'm really confused
So, for the last few years I have been unable to get into my Experian report as I forgot the details and didn't want to call them. I've just been able create a new account with them and have viewed my report. My credit score on there is 795, where as another shows is as 563. I know the score is irrelevant, however, the 2…
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Requesting a CCJ to be set aside - advice on court process please
Good morning all, I am in court tomorrow for a hearing to have the I believe incorrect CCJ that has been issued against me set aside. I have all my papers / email and correspondence trails printed out, and of course the court and claimant and myself have a copy each. I am really scared as the only times I have seen a court…
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30 day rolling contracts....Why credit check
So this thread is just me venting about how riddiclous EE seems to me that they perform Credit checks on 30 day rolling contracts after paying for everything up front. Currently live in house share with terrible internet, just finished my student life, and tryed applying for an internet dongle from EE so i could have at…
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Santander - unarranged overdraft
I've recently switch my bill account from Santander current account to a 123 account. I had a £1000 overdraft on my current account which I paid off, cancelled all direct debits and cancelled the overdraft leaving a zero balance. I have just checked and Santander have taken £26 for arranged overdraft fees for last month…
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Debt from old Barclaycard - Cabot - Default dispute
I had a Barclaycard in the late 90's, and later got into financial difficulties and started an arrangement with them to pay it off, which started in 2001. I can't remember why, but the payments stopped from my bank in May 2009. I did not receive any default notice as I moved house a couple of times, and didn't inform them.…
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How to build Credit Rating (First Post!)
Hi folks, It's my first post on this site, so if I've put this in the wrong place - do let me know! Ok, a little bit about me - I'm twenty and will be starting a new medical career in December and will be earning a regular salary. I'll take home around 1100 pounds a month. I was just wondering if anyone had any hints or…
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rental credit checks
Hi. Me and my partner have applied to rent out first house he will pass the credit check no problem but my. Score is poor at 366 according to call credit the company use TLC who then use call credit to do the check i have no ccj or bankruptcy just late payments in the past and a couple from a few months ago which when the…
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Defaulted debt
Can anyone help? I took out a loan a few years ago and failed to keep up repayments. It was then defaulted and I gained a big red mark against my credit score. This was some years ago and the credit agreement has now come off my credit score BUT I am still repaying my debt at a rate of £50 per month. Given there is no…
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should experian report still show default status 8 after account cleared?
I've finally decided to take my head out of the sand and look at my credit report with experian. It shows rating of 851 with one if the negatives being a record showing default by cabot with status 8. This debt was originally from the bank account and was paid in full as soon as the debt went to Cabot. I spoke to them…
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Quick Halifax question
Hi guys Does anybody know when Halifax report to the CRA's? I have been told that they will report at either the start or the end of the month. Can anyone be more specific? The reason I ask is I accidentaly missed a credit card payment due to a cancelled DD (Not cancelled by me). Payment was due on 8th Nov, I didnt realise…
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Probably asking stupid questions
Hi, So I've recently started looking at my finances, credit reports etc as I have a lot planned over the next few years. Shame it's taken me this long to actively take control! However, with the credit report, I am struggling to understand what is good and what isn't. I have 2 defaults which I know are bad but are due to…
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What can I do to prepare?
Due to some poor financial decisions over the years, I have a poor credit history and I'm now trying to get everything paid off and make plans to buy a house in about 4 years time. I have a CCJ from 2012 which I satisfied this morning :T and a CC which defaulted in 2010 — I have a repayment plan in place for this. All of…
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Default removal date
Hi, If my first default date is 14/5/2009, am I right in thinking that the default will drop off in May 2015? This is based on when the first default is listed and not when the missed payments started right? How long does it take for it to be officially removed from your credit report?
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Default on credit report & mortgage
In c2005.6 i had a default recorded on my file for a loan I had. That has now come off my file given the time, but i was wondering (as I am applying for a morgage soon) whether an underwriter could still see see this?
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What looks best on credit file?
Between my husband and myself we have 2 car loans, a credit card with a £1600 balance (£5000 limit) another credit card which has an available of £6000 but no balance as we do not use it. The only other credit apart from our mortgage is his phone on O2 refresh which has just started and the phone plan stands at £690…
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eBay credit file??
Hey guys I've got a little dispute with eBay which I want resolving first. However I owe them some fees for listing. Very small amount. I've said to them resolve my problem first then ill make a payment. Howwver they've passed it on to debt collectors. I'm afraid I may get a bad credit file because of it. Could they mark…
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Struggling to obtain a credit report. Difficult situation
Hi All I am currently trying to obtain a credit report for an appointment with STEPCHANGE DEBT CHARITY. However I am finding this seemingly impossible for the following reasons: A) I do not have a bank account and therefore must request a postal order B) My mom has recently moved house. At her old address I used to get 100…
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What date will the CCJ drop off?
Morning all, I have a CCJ with a date of 19/11/2008 and I was wondering whether this will drop off my file tomorrow or on the 20th? Thanks for your help.
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Declined for OD with Lloyds - Rebuilding Credit or Trying
Hi all As some of you are aware I am on a DMP and owe £12k which I am hoping to clear in the next 4-6 years depending on how much I can over pay by each month. I am trying to rebuild by credit score and have the following issues: 5 defaults ending between 2015-18 Hfx - Idem - £4900 Barc - £2500 Vanq - £1100 Marlin - £1500…
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Introduction of MODA and impact on previous PDL's on Credit Report
i wanted to check what other people thought about the introduction of MODA by CallCredit? All new short term loan products will be reported for 50 days only in the new section, but what about old loans reported under the previous rules? Surely this puts somebody with a PDL pre-MODA that stays current for 6 years at a…
