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Credit score
Hi, I'm a member of the military and over the last 3 years have endured several 6 month tours of Afghanistan. Whilst deployed I have saved and saved to buy my family our dream home. When I returned at the start of 2015 I approached lenders for a mortgage and was declined due to 4 "late" payments to a store card. The…
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Credit File and Default
Hi A default has been applied to my husbands credit file in relation to a credit card long since closed. We only found out when applying for a mortgage which we couldn't proceed with due to this default. Anyway long story short after many phone calls and lots stress later the bank have admitted today it was their mistake,…
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No free trial?
When I was at college, our tutor recommended we check our credit score for when we went to uni etc. etc. So I did - this was over 10 years ago now. I'm now looking to check my credit score again, but experian and equifax both say I'm already a previous customer and to login and pay... Does this mean I can't use a free…
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Clarity Credit Management Solutions Limited
Hi, I received an email from Clarity Credit Management Solutions Limited today, asking for payment of a debt to British Gas for my electricity supply. On ringing British Gas since receipt of the email, I explained the following: That I had called them a couple of weeks ago to query my final payment due (I am switching…
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Turned down for payday loan despite high credit rating.
Hi all, I'm a newbie. I was turned down twice recently by Wonga for a short term loan for about £50 to get through a cash flow issue. I applied twice as I was surprised I was turned down the first time and thought it was a mistake. My Equifax score is 848, Experian 844 and Callcredit is 807. I have approx. £5,500 owed on…
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Help with my credit report - linked with parents?
Hello, I checked my credit report today due to being rejected for a credit card application. I found two credit cards that I have no knowledge of (one with £313 on and another for over £3k) I don't know where to start in sorting these out! Also, and I'm not sure if I should worry about this, there's a section that shows…
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British Gas Credit Check
I completed my first house purchase in December 2014 on a property with BG prepayment meters installed. I've just contacted BG to apply for credit meters and have failed the check. The mortgage is the only credit I have, other than a student loan from 1997 and a Bank of Scotland credit card I obtained in October 2014. I…
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Defaults on the same account
Good afternoon all, I was just hoping for a bit of advise really. Hoping someone can help. Around about January 2012 I owed Orange some money but I got ill and lost my job and went abroad for a while so I couldn't pay this back. I know, we all make mistakes etc. So they then put a default on my Credit File. They then sold…
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loyds asset finance
Hi guys i was sequestrated july 2009 all over and done with have been using credit card to build up some nice green ticks on credit file even bought car on finance everything looking good then 31/12/2014 loyds asset finace update credit file saying default 2009 and still in default nice big red mark this had never been on…
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Help with experian credit report
Hi, so long story short... I've been trying for the past 18 months to transfer my joint mortgage with my ex into my sole name but have came across a few stumbling blocks along the way. Firstly I had 'no credit score' which meant I hadn't ever had a credit card or anything to prove I can make repayments on time. So after…
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Am i on?
Hi ı made a thread last november about registering for electrol roll , The council said i will be on there on the 1st of december 2014, some people said it takes longer so i waited... Today i checked on 192.com and my name comes up on there before it wasn't, does this mean i am registered now? Have i got a credit file? I…
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Shocked!
Hi Guys, This is my first post on here, Let me start by saying I am 27years old and to the end of last year I suffered to mini stokes with two weeks of each other. During this time I was confused and couldnt even tell you what day it was, so was of work being paid SSP by my employer. No making a drastic improvement have…
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Default and credit file address mess
I'm after some advice please. I split with my ex 5 years ago and moved into my parents house renting off them. I was really rubbish with updating addresses on credit accounts and left 3 registered at that old address, 1 of which I got a default on 2 years ago and am paying off monthly. I have recently been looking into…
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Unfair Black Mark: How to proceed?
Hi there, Recently my credit rating was black marked by Vodafone. This has prevented me from taking out a loan. Here's a run down of how it happened: 1) I cancel a Vodafone contract. 2) They continue to attempt to charge me, although the account does not exist 3) I stop the direct debit. (I think this is the problem,…
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Ccj
Hi I've checked my noodle report and it's saying I have a CCJ that is "Active" The judgement date is 25-02-2009 There is a Case number but give no information about any lender. Will this drop off after 6 years? Is there anyway I can get details on this? It is registered at a previous address and I have no knowledge of this…
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Default date and drop off date
Hi guys Just after a bit of advice, I have a defaulted account with Nat west. I was aware of this and have contacted them and they can't find my details and say account was sold, I lost all my details. My question is: When will this drop off my report? The date of default is 30-10-09 Will it be 6 years from this date?…
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Electoral Role
Hi. I'm hoping someone can help me. I moved house, and registered my new address on the electoral role. This was a month ago. My credit reports are saying though that I am not on the electoral role, and that I also haven't de-registered at my old address, which is not far away from my new place. I received an e-mail…
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Why does sole trading credit not show up in personal credit file?
I am a sole trader and have a few credit accounts with suppliers. These are always paid in full and can total approx £20K per year. When i check my credit score though they never show up even though they are in my personal name and based at my home address? It would seem sensible to me to link these into my credit history…
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Rent on credit file?
Are rent payments being added to credit file yet? Reason I ask is that in all the years I've been renting, Ive never missed a rent payment. It would be nice to have this history included on my credit file. If it can be added, can It be added showing the past payments?
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When will credit cards report payments to credit file.
Hi, Ive recently paid off a nationwide and barclaycard credit card, how long does it usually take to show this on my credit report and can i do anything to speed up the process. Furthermore a credit search mortgage advisor run two searches on me, one without my permission, how damaging could that be in regards to a further…
