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Aqua classic
So a year after becoming debt free I am starting to see the defaults fall off my credit file. In the next few months the rest and the CCJ will drop off. So I after a lot of reading on rebuilding my credit history I applied and was accepted for an aqua classic. I want to use this for six months at which point my file will…
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MSE Eligibility Checker
I have tried to use the MSE Eligibility Checker but I get the message: Unfortunately, we have not been able to find your details at the Credit Bureau. Please check and try again. I have checked the details and as far as I can see there is no problem. As far as I know I have no problems with debt and I have bank accounts CC…
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Credit File
I have joined Experian to discover my credit score....but they don't seem to be able to 'find' me.. I have two credit cards and have enrolled on the Electoral Register (albeit recently) and although have changed address twice in last four years , was at an address for 25 years plus prior to that...so can anyone tell me…
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Denied Phone Contract Twice
Hi All, A few years ago i got my first debit card and i thought i would get a phone contract in my name. I was declined by multiple phone providers and I thought this may have been to me having a brand new card (also my first). So i had tp used my mums card and just setup a standing order to give her the money each month.…
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Cancelling Experian
Joined with the free trial, cancelled by email using their recommended format, they acknowledged receipt of my email and said they would reply within 5 days. Which they did, telling me unfortunately in order to cancel, I had to phone them! Meanwhile, they relieved me of £14.85. Who watches the watchers?
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Who do I owe money to?
Hi, I was wondering if any one could give me some advice please. I've moved abroad in 2011. I recently requested my credit report from all 3 agencies, but they only show information up until 2011 (my last UK address). I think my debt must have been sold on to a few collection agencies by now. I really want to settle my…
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Mortgage and Defaults
Me and my partner are in the process of getting a mortgage but have been declined by one building society because my partner has defaults on his account. The defaults are on a loan he had taken out back in 2011 - after complications with his direct debit not coming out it got passed to a debt collector, they gave him the…
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Will default go from ongoing secured loan
Hi, I have a long term secured loan (was 25 years, 12 left to go) with First Plus that I missed 2 payments on 5 1/2 years ago (due to redundancy) and got registered as a default. I have made every other payment on time since then and it is up to date. The default expires in May this year, but what will happen to the status…
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Default whilst non-domicile
I emigrated to Australia for three years, and have recently returned home. I had an overdraft with Lloyds TSB on my UK account, whilst I was away the overdraft ticked into the red, fees spiraled, and according to my Noodle credit check the account eventually defaulted for £2196 in May 2012. I emigrated to Melbourne in…
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Question re expired defaults
Hi, I have 3 accounts that got into default roughly 6 years ago due to redundancy and went to DCA's. they have changed hands several times but I have maintained the payments on them. After the 6 years is up as I have been saving hard I am hoping to offer 25% of the balances as a final settlement. Does anyone know if they…
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Improving credit file
Hi, In order to have some "history" with institutions for future mortgage application, I have accounts with Natwest (current), Santandar (ISA), and Nationwide (current) and apart from "old-mortgage-style" student loan, I have no debts. The only credit agreement I currently have is my mobile contract. I had a CreditBuilder…
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'Mortgage In Principle' applications and credit rating
Hi all, I've done something incredibly stupid. With no understanding of how badly it could hurt my credit rating, I made a series of 'mortgage in principle' applications on lenders websites last week. In my naivety I had no idea this would leave a footprint on my credit file, and I was absolutely gutted to find that my 900…
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Defaults - Buying a house
Hi all, In 2012, I was rush to hospital with a critical illness with a 50/50 chance of survival. It took me having 12-18 months off work to recover with daily nurse visits and regular hospital visits in that time. I incurred 8 defaults this year because no one had access to my accounts although my then ex partner was able…
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Number of worries...
Good evening everyone, My wife and I are looking at getting a mortgage early next year and in preparation for this I checked my credit report. It looks better than last time I checked it however the score has decreased somewhat. I know from reading the forums that the score isn't what future lenders focus on, it's more how…
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Old CCJ advice
So i found out this week that i had a CCJ issued against my name in august 2009 for non payment of rates. This was at a time when i sold my property and moved to another part of the country. This turned up on my experian credit report, even though i have used experian for years! I have very detailed records from the sale,…
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Statute Barred Scottish law questions
Hi I'm new please go easy on me :) To put you in the picture... When I was younger (2004) I took out car finance (Black Horse) and ultimately defaulted on payments and had car repossessed the same year. 6 years ago I met my now wife and 2 years later we had a kid. I had started to turn my life around. Last year we bought a…
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Removing defaults. My journey from 24/1/15
Deleted original post. Reason: You used to be able to post things here and have an abundance of support...seems to be full of what they call 'trolls' now.
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Help trying to access credit report
Hi i'm hoping someone can shed some light on this- I've been trying to access my credit report from a few different companies. I have tried; Equifax Experian Noddle & none of the companies can verify my identity but I don't know why. I've recently applied and been accepted for my first credit card and although it was with…
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Financial Associates on Credit Report - Good or Bad?
I have just accessed my credit report with Experian and noticed that my daughter is not shown as a financial associate but the joint mortgage I have with her is listed. My question is whether that is a good thing or bad in view of the following situation. A few years ago my daughter asked me to help her to get a bigger…
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Life after bankruptcy
Hi all. I'm hoping that I can find some answers to my query on here. I was declared bankrupt in 2009 and subsequently discharged in 2010. I have very recently looked at my credit file and was a little worried to see that a couple of lenders are still showing up on my report as defaulted accounts. It is listing each month…
