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Experian and The Rental Exchange
Friend has just received notice that her Housing Association is pairing up with Experian to share her tenancy details and rent payment history and she has the option to opt out. I'm a tenant of this Housing Association too so no doubt will be receiving the same letter info soon. My query would be as this Housing…
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DRO & dates
My DRO has a start date of July 2009 and a completion date of July 2010. When should the accounts under the DRO fall of my report and what dates should they have as a default & end date? Currently: MBNADefault Sept 2009 End date Jan 2010 Lloyds bank accountDefault July 2009 End date July 2010 Lloyds ccPartial settlement…
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Default notice removal
Hello - Back in 2013 i missed a 2 payments on my phone 4 u contract and resulted in a debt being created for £200 , This was record as a default ( repaid after 2 months). My issue is that I can not now renew my mortgage deal for this small amount that occurred years ago. the punishment doesnt seem to fit the crime I have…
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Noddle: Can't find a credit agreement
I use Noddle to monitor my credit report and previously noted on it an aged default (from circa 2012 with a mobile phone operator). I challenged the basis of the default with the Ombudsman which found in my favour, instructing the mobile phone operator to remove any adverse credit entries and compensate me. All well so far…
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What happens now?
Hi everyone I live in Scotland and have just completed a DAS (Debt Arrangement Scheme). It is regulated by the AIB and the terms are that after it is completed any remaining balances due to interest and charges etc must be written off as these were frozen at the point the DAS was agreed. My DAS was for 59K! It was…
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Anyone else in Scotland have this problem?
I've just opened up my credit report and was shocked to see I am not listed as registered on the electoral roll :eek: I have lived in this address for 3 years and have always shown as listed on the roll. When I looked at the FAQ's on Equifax website, they have described something about the change in recording details…
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DCA Fees
Not sure if this is the correct forum but .... .... I was out of work for six months last year and ended up behind across many bills. I've started to catch up but one I ignored / forgot ( yes, yes, I know ! ) was the water bill. I have now received a letter from a DCA demanding the £100 I owe to the water company but they…
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Improving my credit score
I've recently obtained my credit report and it was poor! Although I do have current credit, I also have 5 default accounts, 2 CCJ's (one was issued last week) for a 6 year old debt and many many settled accounts. I'm trying to save for a mortgage deposit and this has disheartened me, I plan on spending the next 3/4…
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MBNA Debt saying "satisfied" !??????
I am in default with the credit cards but yesterday after checking my report 2 debts have gone altogether on Noddle and in Experian one is missing and one is saying "satisfied" MBNA - Satisfied Opus - Missing on Experian and Noddle What does this mean ? They total £11,500 together. I only stopped paying them after the…
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Bad credit report?
Sorry if this is the wrong forum for this question, I'm really ignorant about all things money related. Back in 2008 I had a student account with Natwest. My mother stole my credit card details and rang up a debt of about £1400, completely without me knowing. I got the phone calls demanding payment etc etc and eventually…
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Checked credit report today MBNA DEBT GONE ???
I checked my latest credit report out today and there is a large credit card debt missing. It was £11,500 with MBNA but its no no longer showing as a creditor what does that mean?
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Credit Manager from Barclays Bank
I Have a credit manager subscription and check my file monthly. They had recorded that I had missed two payments on my mortgage. (I haven't ) I called credit manager and they insisted their records were correct. I asked woolwich (our mortgage provider) why they had reported to credit manager they we were in arrears,…
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Improve/obtain credit rating for foreign national
Hi there, I am currently married to a Turkish national who won't become a permanent resident, and hence have a UK passport/be eligible to vote for another 4 years as he's on a Marriage visa. We want to buy a house within the next 2-3 years, but obviously he doesn't have a credit history, and can't vote, and I can't afford…
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Default question
Hi all and thanks in advance for your help. During my last year of uni (2010-2011) i shared a house with a few others and we had Virgin Media broadband which was, stupidly, in my name. Anyway, long story short is I left in early June and cancelled the direct debit, the last three months went unpaid. Meanwhile I forgot it…
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Duplicate Default?
Hi all Am paying down my debts on a DMP and all is well. I have just one defaulted account (HSPF) and it was sold last year to Lowell, but as I am with Stepchange the regular payment just continued without any issue (I pay £230 and the actual payment should be £340, so they are getting a reasonable amount). When it was…
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statute letter sent, how long a wait
Ive sent a statued letter, to a company whom I was informed purchased my old visa account number. Not being 100% sure it has passed 6 years, ive sent off a tamed down statued letter registered post to see the what reaction it gets. Its been about two weeks now and nothing, whats the usual time frame.
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Advice on my defaults please - 6 year rule?
Hi all. Would appreciate some advice on three debts please. I have been a current account customer with Barclays since I was 16. I took out a career development loan in 2004 with them (4k) to fund a course. My credit record on Noddle says I defaulted on this in June 2009. I think they have written to me once in this time.…
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Address History Over 6 Years
I just ordered my free credit report from Callcredit, and it all appears correct and in decent shape with one exception - it has addresses going back 9 years. During the earlier period I was at University, and obviously had a number of residences in quick succession. Not only that, my parents moved during that period, so…
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Improving Credit Score
Hi all, I got into some trouble with Credit Cards in my younger years and am now trying to sort out my Credit file/score. Despite having alot more money now, I have struggled to get credit for anything over recent years. I currently have a "poor" rating approx 100 points below the national average. This is due to 2 main…
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Orange Mobile have hammered my credit score
I checked my Noddle credit score rating this morning and was surprised to see it had been downgraded from a 5 to a 3. The reason why? Orange Mobile have an entry in January stating that I was one month late with a payment. My contract expired on November 14. I gave them 30 days prior notice and settled up my account with…
