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Trying to get a default from O2 removed
I am trying to get a default from O2 removed from my credit rating, I asked for a copy of the signed agreements and proof that the default notice was delivered. I was told that they don't need to prove that the default notice was delivered as the agreement isn't covered by the Consumer Credit Act 1974 for fixed term…
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Interesting - glad I checked my file
I have just checked my file on Noodle and it shows that I have some credit cards and a loan that has been defaulted on but I have never had these cards or loan. I have never lived in Essex which is the address and I have never been married - it says Mrs and I don't even know the man that is linked to my file. How do I go…
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Bank account closed, passed to debt collectors-I live outside the UK
Hello MSE, Some advice please after 25 banking with the RBS they closed my account and passed to debt collectors. This was due to me being over my over draft limit of 1,800. As I am now living outside the UK and don't have any other financial ties, I have not paid back anything and only made email contact with the debt…
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can creditors locate me if i do a credit check?
Quick history, I left UK a couple of years ago. Since I left it appears that I have become a victim of identity theft. I am in the process of applying for citizenship so I don't want any trouble with the law. My family started to get some letters from debt collectors which is how I found out. Now I'm thinking about doing a…
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Experian. Search errors and balance errors, why?
First let me apologise if this thread is a bit longwinded, I am on a lot of meds for my spinal injuries and I am unable to sleep etc...sorry. I have checked my recent credit report, shows that I am using 55% of my credit that is available, yes it was Christmas. I however paid my card in full on the 7th of Jan, but the…
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Advice on my Credit Report
I'm trying to understand the situation I am in regarding my credit report and when I can reasonably expect to be approved for a mortgage. Up to my early twenties I was financially irresponsible and made very little effort to plan my budget. As a consequence of this I found myself in debt with various companies (utilities,…
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Very Annoyed with 'Very'
I bought something on a 12 month interest free basis last year from 'very' their website was advertising "nothing to pay for 12 months", so I thought ok thats handy as I was also moving house at the time. So I went ahead and ordered what I had to order, then a month or so goes down the line , I get a call out the blue from…
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Fraudulent entries, advice..
Hi all, I had some fraudulent entries on my credit file. Thankfully only searches, but a problem none the less. 2 were from lending stream LLC and were small, short term loan applications. These are currently in the process of being removed. The third, which I've only spotted today, though was done on the same date. May…
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Will exceeded credit card affect credit score?
I have exceeded my credit card limit by £680 (within last week) but have just paid off £700 to bring it down to within the limit. Other than that I have never had any problems with it and pay by DD each month. Will this affect my credit rating? Thanks
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Pay in full or settle a £2500 debt that's about to expire
Hi guys, I've got some inheritance money now and I have a CC and bank account that defaulted about five years ago. The CC is paid off in full but the bank account is paid off to about £2500. I've been told that they completely disappear in six years, so I was wondering if I should save money by settling this debt instead…
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score 999! yay! and a question?
Hi there, After having credit issues 6 and a half years ago and getting some defaults, i logged in today and see i have a score of 999 on experian! I'm so happy, it's taken forever to get there (although i know the score itself isn't everything...) and i am pleased that i have a completely unblemished history for 6 years…
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Noddle Downgraded My Score/Rating... Should I Care?
I've read all the things about score/ratings, so I'm not panicking or anything but wondering if I'm using my CC in a way that's not conductive for making me look good with lenders. I have a default that lasted on my account for a year then settled back in 2009/2010 which is now going to start slowly coming off. I've got…
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Defaults at 4 years.
Hi Guys, With your wealth of knowledge, I am hoping you can help me. I have 7 defaults, All relatively low amounts. 5 of these will pass 5 years old this year. 2 of them will be 4 years old this year. Since getting these, I have paid all the amounts in full. my credit report reflects this. I have also managed to take a…
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Credit Rating for Mortgage - Quick Question
Hi Just a quick question. Do you know if banks use internal credit ratings for mortgages? I understand that they would usually build a credit rating from agencies info, however if both applicants are customers (current acccount, loan & CC) with the bank would the internal rating also be a factor or would this be ignored?…
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Credit rating, is Noddle as good as pay sites
This is a just wondering question I have been using Noddle for over a year and just wondered how it compared to other sites. For some reason my current account wasn't found, but other than that it all seems to be there.
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2 totally different credit ratings
So I am saving really hard, as hopefully want to get my first mortgage at the end of the year. Registered with Noddle a little while ago, my credit rating is 1/5.. Registered with the Improve bit of the site for £20 a year, and mine is 536. Just registered for a 30 day free trial with Experian, and it says a score of 931…
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Unknown defaults on credit report
Hi all, I'm not sure if this is the correct forum for me, let alone the correct section of this forum, but please feel free to point me in the right direction if I'm mistaken. I've recently applied for credit (£400 over 9 months for musical equipment) for the first time since I was given an overdraft and credit card for…
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Quick and Easy - Having 4 current accounts
Hello everyone, A hopefully nice quick and easy question. I have 4 current accounts mainly because they offer 3-5% on balances. Will this have a negative effect on my credit score? All my current accounts are in credit. Thanks Darren
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Default applied with no warning - help needed!!
Hi, I stumbled across the forum whilst trying to find out a bit more about an extremely stressful situation that quite literally landed on my doorstep (in the form of a debt collection letter) just before Xmas. Apologies in advance for the essay, and sorry if this has been posted to the wrong section....... The debt…
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Default place on my credit file definitely not mine help!
So some background lived in a house from 2009 to July 2011. Over a year later I received a letter in October from a dca called Moorcroft stating I owed £250 to a company called 24studio taken out at mt old address and I told them it wasn't my debt and duly sent over the evidence my ta for my previous address where the debt…
