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Still Refused with an "Example" score and history
I will keep this opening post brief but I'm happy to provide further details should anyone wish, thank you in advance. I have checked my credit files for free using the MSE giudes, everything seems to be in order, I have never missed any payments..ever! I also have no court judgments or criminal records and have been on…
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debt not on any credit reports
Hi everyone, I dont know if this is in the right spot of the forum so please move me if I have duplicated/put in the wrong topic Long story short, I have had debt since I was 18 and was managing fine up until 2010/2011 when i had a run of bad luck with ill health and losing my job. I had a B******card and had a balance of…
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Trying to understand what will happen
New to site so hello. As per my user name I have serious debt. I once earned alot and spent alot. Built up an amazing credit rating got multiple credit cards and lots of credit. Some cards north of £50,000 Any way I got seriously ill, my wife divorced me, ran off with my car and some cards. To short the story I now only…
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CCJ at old address, what are chances of overturning it?
I have recently applied for a credit card and been declined which has never happened before. I have checked my credit score and there is a CCJ on my file from Civil Enforcement Ltd on 1/9/14 at my old address that i moved out of in july 2012. I can't find out what this is and if i was even liable. I have tried to call…
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Electoral Roll & New Address
Hi All, I have been in my new address now since October and in December signed up to the electoral roll for the area, This hasn't updated yet on my Credit report and was wondering whether or not this will have an impact on any credit applications. I also wonder if the amount of time (3 months) in my new address would have…
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Settling debts and credit file
I'm looking to improve my credit score am focusing on paying off my debts this year. I have a default on my file from 2 years ago which I pay monthly and this will be paid off in 1 years time. My question is, would it look better on my file to pay this off earlier so it is settled sooner or to focus on paying off a credit…
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Voluntary Termination Advice
Hello, I have decided to do VT on my current agreement. I phoned my creditor last week to discuss this and was advised that they will send out a VT Pack which covers everything involved in process. Being suspicious of how simple they made it sound I have been on interweb over weekend to find out exactly what is involved. I…
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CCJ in wrong name
Hi I was wondering if you could help I have received a CCJ in my husband name for a loan I took out How easy is it to defend these things, I would like to offer a monthly repayment but as it's should be in my name it is unfair to leave it as it is. I don't want to jeopardise them accepting a monthly sum but it should be in…
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son pursued for full term of phone contract
Can anyone answer this query; my son defaulted on an O2 two year contract within approximately six months; O2 closed the account and sold the debt to Wescot who within two or three months offered a settlement figure of £250. My son (stupidly!) did not make any payment to Wescot, and after returning to O2, the debt was then…
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Declinded Credit from Vodafone
On the 3rd of Jan I decided to get a mobile wifi unit for my Mom, the best deal was with Vodafone 3gig £12/month. I went in to the shop and proceeded to place the order. my application for credit was declined. This was a massive surprise as I have never been declined before and never missed a payment on anything. I have…
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Can a rating be 'ruined' over £17?
Long story involving Sky tv not cancelling our subscription when we moved and 5 months on, unbeknown to us, it's in the hands of Westcot debt collectors. Will this destroy OH's credit rating?
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Worried about landing myself in more debt
Hi, I'm new here and just after a little bit of advice. Long story short, my ex partner landed me in loads of debt. Nothing has been paid towards these for the past 6 years. He wasn't working and then left me, so being a single parent and paying an extra £400 a month for another one of his mistakes I can't afford any extra…
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Unable to register for credit check
Hello, my son is trying to see his credit report, but as he has moved house a few times in a short period, the agencies will not complete the process. He has been in his present council flat for just 3 months, prior to that a private rent 6 months, prior to that with me for approx 9 months, before then a private rent for…
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What can a lender see?
Hi all. My partner and I are looking to buy a property in about 6 years time. I've been looking through the first time buyer guide on this site, and it got me thinking as to what kind of information a lender can see on the credit file. We both have defaults, but they will have dropped off credit files by the time we come…
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Linked address
Hi all Is anyone able to tell me if linked address stay on your credit file indefinitely ? thank you
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Barclaycard Actions !!!
Hi All Ive checked my CRAs with all recently and noticed that i had a live Barclaycard Account running through NODDLE. I disputed this 2-3 times and stated that the account was closed back in 2004 too which they responded stating that the Barclaycard has confirmed this isn't the case and the account is still live :eek: Ive…
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what's the impact of opening a few current accounts in a short space of time?
Good evening all, I'd be grateful if you can give me some comments/advice on this; I opened a new current account today (to get access to a 6% regular saver) and have heard that M&S bank are doing the same offer. If I apply for the M&S bank current account this month, too, will it aversely affect my credit, and for how…
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Ready to rebuild my credit score
Hi there to all, where do i start, in brief as from june/july 2014 i am debt free :) a lot of hard work... but prior to paying off my debts i was in a lot of trouble. to the stage of debt collectors at my door. got 3 county court judgements against me all of which I've paid off. lots of missed direct debits payments for…
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CCJ showing on my credit report from last year at old address
Hi, can anyone help me out. i have just got a credit report as i am about to get a 3rd BTL mortgage, all my prev mortgage are from a while back. Looking at my report i see a ccj registered about 10 months ago at an old address that i havnt lived in for like 8 years. The debt was from a very old debt that i havnt had any…
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How long for Credit File to registered closed accounts
Hi all I have been having a slight problem with a mortgage application that I think may be being effected by the amount of credit I have available to me but am not using. I have recently done the following to try and remedy the situation: 1. Reduced my overdraft facility on a smile bank account 2. Reduced my credit limit…