-
URGENT HELP NEEDED. Facing bad credit rating due to Vodafone's incompetence!
Hello, I have had an account with Vodafone from October 2009. I then took out a second sim only contract for 12 months for my ex-parnter with Vodafone for £9.90p/month in September 2012. It should have ended in October 2013. However, it didn't so I phoned them in February 2014 and cancelled my account. When I checked my…
-
Searches by Robinson Way
I was contact by Robinson Way some point last year asking for a payment of an old debt. I sent the standard CCA request, again last year and have received a couple of letters stating that they are trying to obtain the original agreement and in mean time my account was on hold. Today, I was looking at my credit report and…
-
Just got Experian report and it shows an unknown credit card
Hi all, I have just done an Experian credit report and it shows under Credit Agreements Credit Card from Newday (I) / XXXXXXXXXXXX1234 (not the actual last 4 digits) and some of the key info: credit limit of £2,750 start date 09/05/2008 Date Updated 08/10/2013 Date Satisfied 17/09/2013 and all balances are £0 and it is…
-
Defaults
Hi there, does it make any difference on your credit file if you have two defaults rather than one?
-
Insurance Search Impact on Credit Report?
Hi all, I am looking to purchase a car very soon so need to start doing insurance quotes. I am wondering that when the insurance companies do a search on me will this affect my rating with multiple searches? Many Thanks
-
Missed payment at Very
hi, just after some advice. I stupidly missed a payment on my Very account! Anyway I rang customer service to explain that it was a genuine mistake and made a payment straight away over the phone. The man on the phone could see that i had never missed a payment before and it was a genuine mistake and reversed the late…
-
Could a partners credit score be stopping me getting credit?
I am financially linked to my wife and have been for years. I have never been linked to anyone else in that sense. I was wondering if her credit file could really do that much damage towards me - if i am applying for credit individually. I should mention i dont have the best credit rating, however all my bills are paid on…
-
What would constitute this? - "Adverse entries" on tenant credit check
Hi, could someone please advise as to what would constitute an 'adverse' record on your credit report? Would this be something like a default?
-
Rebuilding credit rating after bankruptcy
I was discharged from bankruptcy back in 2010 but two of my creditors left default accounts on my credit report. One of these accounts was lifted last December and the other remains (I assume 6 years to the hour they will lift it later this year?). What's the best credit card to apply for to help rebuild my credit score? I…
-
Experian.... Negative effect on CRF for new account
Can anyone give me an idea when the negative marker for a newly opened credit account (mobile/WiFi contract EE)drops off your Experian credit file? I have had this on my file as a negative marker since the beginning of August 2014. I am not sure how much of an effect it actually has or what it's indication is to other…
-
Advice please! Mail Order Service error has ruined my credit rating
Hi all, I'm looking for some advice, or at least to be pointed in the right direction around an issue I've run into. A little background first. I am planning to buy my first home this year, and move out from my parents house. I have spent the last 20 months working hard to save a nice deposit up, which currently sits at…
-
Different Info on Experian and Equifax
Hi all, I'm a little confused... I have recently looked at my report from Experian and Equifax. All of the accounts I have are listed with both CRA's, however Experian are showing up 4 late payments on two of my accounts back about 6 years ago but Equifax is showing as all clear. The accounts are with EE and Littlewoods,…
-
Building up credit rating
Hello all, In my early student days when I was 18 years old I got myself into a bit of debt. Basically a few credit cards that had £500 limits which being absolutely irresponsible at the time I never paid. I am now 29 years old and still feeling the repercussions of this. Getting credit has been a struggle even though now…
-
Refused Mortgage due to £121 Nationwide BS missed payment
Bit of a long story so i'll keep it short. Basically Experian hadnt updated their files to show i had been overdrawn on a Nationwide Account for the last 4 years (£121 - started at £6.50) that was registered to a previous address. I only became aware of this whilst applying for a Mortgage, and had to request Experian to…
-
Mortgage Account not showing on credit file
Hi, My husband and I purchased a property mid November. We remortgaged our 'old' properties a couple of days before that and the new banks are updated on the file (have shown on experian early Dec). However the 'new' house is not shown. It was purchased jointly in our names and neither credit rating agency (am subscribed…
-
Experian. etc credit file when abroad
Hello, Can someone please tell what happens with your credit data if you go abroad to the EU and give some but not all lender accounts your address abroad (which is a long term move)? Will the lenders you gave the overseas address to continue to report to the UK CRA? or will they report to the overseas CRA? or will…
-
Rejected twice to open a current account (First Direct and Halifax)
Hi, during the last month I have tried to open two different account by switching from my current Barclays account. Both application were rejected. In particulare, at the beginning of December I applied to switch from Barclays to First Direct and after few days I get an email saying that they weren't able to progress with…
-
Credit Checks from New Zealand
Hi, I am about to emigrate to New Zealand, but am keeping my house here. I have the money for a deposit over there but was wondering what credit checks they do with the UK, would they just check the rating through my score here, my actual debt here or nothing as you start a new credit file there anyway. Can anyone shed any…
-
The difference between Missed Payments/defaults/ccj
Hi all, though id try a tread here. Some of you may be aware I looking to obtain a Mortgage in Summer. As it stands 1 default falls off in 3 weeks and 1 CCJ which will be removed in July 15. After that all accounts are up to date and have been for years now. I have a CC which was a Barclay card initial who have just wrote…
-
Santander Default
I had a default on a credit card for £1243 that was due to fall off my credit report in July 2015, the card was not paid so in December 2014 it was transferred to a debt collection agency. From this date it has not appeared on my call credit (Noddle) credit report, does anyone know why this debt has suddenly disappeared…
