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Default registered twice
Hi, I'm posting this on behalf of a colleague and his partner. His partner had a default registered for non payment of a loan around 2- 2.5 years ago but she's been paying it to the debt collection agency since. She's just looked on her credit file and found out that the default was registered again in December as it…
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bad debt in past, get a credit card to help rating for mortgage?
Hi guys about 10 years ago I got quite a lot of debt which I managed to clear, there was missed payments etc so would have brought my rating down, I payed this off a year ago so debt free now, I now am hopefully looking at saving with my partner to get a mortgage instead of paying for a flat, I have received from my bank a…
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Help needed with EBAY and Paypal
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Check Your Electoral Register Status
I made application for a mobile phone sim card from Virgin Mobile on 3 January this year and was rejected at the credit check stage. Virgin Media won't tell me why the automatic check came up with a refusal and the manual check that I believe I am entitled to appears to have got lost in their system somewhere. I get a…
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Credit Report
Hello I'm looking for some fairly basic info and would be very grateful if anyone can help. I have my credit report and I want help with seeing whether I can improve my score. (Poor!) I have some DMPs so it's not straightforward and what I'm asking is whether there is an actual type of person I could find who would go…
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Experian credit report layout
Hello :) Does anyone know how the credit expert report layout is supposed to work? I have a number of defaulted accounts, they all appear together at the top, but there is one at the very bottom of my report. It doesn't matter, it's just strange. It's just as recent as the others, and I cannot work out why it's where it…
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Young Person - Help!! Tips on building credit rating
Hi, I would like some tips & advice to build my credit score up as I am hoping to get a morgage in a couple of years if all goes to plan. Here's some info about me... I'm 21 years old and currently live with my boyfriend at my parents house where we are saving. I am earning £22500 a year prior to tax & have a credit card…
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Rebuild credit after dro
hi just been accepted for a "bad" credit card to rebuild my credit after a dro. (still in my six year period) Just wondered to rebuild my credit is it just about paying the money back to the credit card on time OR is it also about how much money you spend on it and repay on time? I.E. if I spent just £30 per month on it…
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Credit Check
Has anybody heard of Noddle. A free credit card report check website. I've never heard of them, but was told about them, just wanted reviews about them please.
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Mortgage not appearing on Noddle
Good afternoon all, I am new to all of this, so I am sorry if my question is a silly one. I have finally decided that I am going to take control of my finances and debt. As part of that I registered with Noodle just to see what my credit report looked like (I am still trying to get my head around the fact that you don't…
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Credit Card after IVA (Trust Deed)
I'm happy to say I've just been discharged from a Trust Deed but the advice now seems to be to get a credit card to build up my credit rating again. I've been receiving letters from companies like Capital One and Vanquis but I'm not sure if any of them are better than the other. Can anyone advise? Many thanks
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Credit rating affecting mortgage applications
HELP! My partner and I are looking for a mortgage for a shared ownership property, we are first time buyers. My partners credit score is 'excellent', mine is now 'good'. We went to a mortgage advisor at the beginning of the week to make a mortgage application with a 5% deposit. We got rejected due to 'adverse credit' which…
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help! cards no longer listed on Experian was there before?
Hi I thought that credit cards were meant to show on the credit report for 6 years after closure, however the end of October i closed three old credit cards (post office, mbna and marks and spencer). The cards still show on noddle and equifax reports now with a closed status however the listings are not on my experian…
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Slightly threatening language on Experian email
Hi all I used to subscribe to Experian's Credit Expert service because of a dodgy tenant at my address, who I was worried might be messing up my credit rating. Recently, I let this lapse - partly because I no longer needed the service and partly because my payment card had expired and I didn't bother to renew it. Today I…
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Default has wrong date
Morning all, I'm after some advice re when a default date should be registered. I always thought the default date should within 2 months of the date of the last payment. I've just found out I have a default which should now be statute barred but the default was registered almost a year after the last payment so it's There…
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available credit - does it affect credit rating?
Hi just looking for some advice please? I have two credit cards with quite a lot of available credit on them, neither of which I've used to anything near like the limit. One has over 10k credit, the other nearly 7k. I don't plan on using them, so I was going to close them, but then wasn't sure if having credit available…
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Credit sharing procedures
I settled a loan in March 2014. The company never used to send loan information until Dec 2014, but now I have loan information on my credit file re this old loan. I asked them to explain and they said "standard practice" when sharing information. Can you share information with credit agencies retrospectively then?
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Voluntary Termination
Has anyone entered a Voluntary Termination? If so have you had any problems getting credit ? 3 years ago I bought a car - PCP was mis sold and I may have to enter a VT Anyone else had problems with PCP? Thank you
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Impact of new bank account
Having spent the last four years being sensible and trying to correct the financial 'wrongs' of my twenties, I was accepted for a First Direct bank account this week. My initial reaction was 'super excited' (because of their good reputation I've applied a couple of times over the past few years but have been declined).…
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Barclaycard offer compensation for their mistake.
Hi, I have a Business Credit Card with Barclaycard. I have just received a letter, out of the blue, form Barclaycard. They tell me they have given information to Experian, in error, which may have affected my credit rating. Although that assure me the mistake has been rectified, the enclosed a cheque for £300 as…
