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Credit expert queries
I am hoping someone can answer a couple of queries please. I have just dared to log on and look at my experian report. I have defaulted on a loan back in 2012 and am now paying it back. I do not question the default, but it is showing up twice and under 2 different dates. 2012 with the original loan company and now in 2014…
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Defaults nearing 6 years-what happens/changes?
Me and my ex husband have numerous outstanding debts. We defaulted on them all almost 6 years ago and have been with CCCS/Stepchange since paying a very minimal amount. What happens once we get to 6 years with our credit file, the debts etc? Are they removed from our credit file? Are we more likely to have them written off…
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Need advice regarding credit history (and addresses where my "history" is)
(Post deleted, info no longer needed)
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Does a basic bank account show on a credit file?
As in the title, does a basic account (Barclays Cash Card Account) show up on your credit file? If yes, does almost emptying it each month (less than £10 left by payday) look bad?
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Default date doesn't match?
Hi everyone, go easy on me its my first post! Ok here's the background, I defaulted on a Lloyds TSB credit card back in October 2005, balance £3079.28. I had lost my job due to ill health and was advised by the CCCS to default as they said they couldn't help me till I had. I then paid a token payment to them each month…
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Credit card on Experian
Bit of a newbie outside the parking boards - A few more posts are to follow :D , My new years resolution was to sort out my appalling credit file, I got approved for a credit card and I was under the impression that it would look good to run it up (only £500 limit) and clear it in full every month. I went on Experian…
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Noddle / Call Credit refusing to update records
Afternoon, I was declared bankrupt August 2011 and discharged January 2012. On checking my Noddle account it showed that I wasn't discharged until a year to the day of my bankruptcy date. I made contact with them via e-mail with the scanned copy of the documents required to prove the dates. I then received notification…
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How to get on electrol register for indefinite leave to remain?
If someone wants to improve their ability to get credit and has excellent credit history in the UK but not on the electrol register, is it possible to get on it? Is there anyone on these forums who knows anything about how to get on for some who is not from the EU, but now has ILR?
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Natwest account default date incorrect
My last withdrawal before dafaulting on my Natwest current account was Dec 2008. I have just read on my Experian report that my default date is Feb 2010. My Natwest credit card last used at same time as current account has a default date of Jan 2009. This means I cannot remove the bad credit on my current account for…
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Mobile Phone Late Payment Over 24 Mnths Old
Hi All, Want to say thank you for such a helpful forum! I did try searching around on this but could not find something specific enough to help... I have a good credit score. 958. All payments are green and up to date. However, with the EE mobile phone contract I have 6 payments that were orange (1) that are over 24 months…
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DD not set up on time for 1st CC payment
Hello, I have a credit score of 997 at the moment (experian) and am panicking that a silly mistake may cause me credit issues now! I took out a new CC in October, and paid the purchase off in full, then I added a new item to the card in December, I went online on the card website (debenhams/newday ltd) and set up my DD for…
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Incorrect credit file information help
Hi, I have recently been taking more of a interest in my credit history and file. This is because I have been interested in financing a new car. So I took out a trial with Experian to check my score. All is well on my side with my details as there is nothing wrong with my credit history. But there are 5 defaulted accounts…
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Advice Please : Mystery linked address, mis-traced accounts and rectifying my credit
Hi all, For the past year I started to receive debt letters for accounts I had never once opened myself. These were accounts that had first names similar to mine, but with different spelling variations and contrasting middle names. Only the surname was similar to my own. Digging deeper with only the information from these…
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Credit report mix up
Some one please help me:mad::mad: Equifax have mixed up my married name and maiden name electoral roll information and it now shows that I'm not confirmed at present but I've been on the register for 5yrs (which is my maiden name). However on the next part, next to my married name, it shows that I've been registered from…
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Tax credits claimed by others from property I own
New commer Help please, People are claiming tax credits from a property I own without my permission.I do not know them
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Lloyds Overdraft default
Hi All, I have searched but couldn't find a specific related response, so apologies if I've missed one. I had a second account with Lloyds which i had a £1200 overdraft. I have been moving around a lot for work and either through my head in the sand approach or the letters hitting previous address' missed that this had…
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Debt payback, should it have been updated?
Hello Everyone, I got myself into a bit of trouble with a credit card/phone contract. I made a start on paying this back in 2013. The debts were originally with Aqua (Credit Card) and O2. They were then obviously sold on to 1st Credit (Aqua) and Portfolio Recovery Associates UK Ltd. The payments both started in December…
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Experian order 'hanging'
I've tried twice now to get a 30 day trial with Experian. Each time, after entering my card details and pressing confirm order, it hangs on the screen with a box saying 'Processing... Please wait while your order is processed.' Last time I waited 7 minutes. Some while after an email arrives asking me complete the order.…
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Foreign Resident Credit Check
Hello My wife is originally from Mexico and moved to the UK on a Spouse visa (2 year visa - entitled to work) in October 2010. Since then she has successfully received her Indefinite Leave to Remain and is looking to soon apply for citizenship. Due to her current immigration status she is not allowed to be added to the…
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0% credit card or car finance (Credit Rating)
Hi all, I would like to ask hopefully a simple question for you. I'm looking to buy a second car, there are two options to pay for it a 18month 0% credit card or having car finance. If I went for the credit card option I would setup a standing order equivalent to the car loan each month which would be significantly greater…
