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Getting old accounts removed from my credit file??
I have a couple of store cards that I had back in 2001, they are cleared but I haven't got any paperwork etc. Do I ring the company to get them removed or the credit file agency?? Thanks
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Best credit reporting company
Hi, Im after the most detailed and up to date credit report I can get due to getting a letter from a pay day loan company I used 10 years ago saying I owe them money. But this agreement doesn't show up on my Noddle credit report and when I ask them to prove it they cut me off and ignore my letters.
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Access Call Credit Report - Issues
Good Evening I am trying to login to the call credit website and every time i click on login it comes up with page not found, Is anyone else got this issue before i report it to them? I thought it might be cause am using chrome browser. Rich
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Over limit on Barclaycard
Hi guys, basically I was near my limit on my credit card and over Christmas set it up to pay the minimum payment due to well, er, shopping. Normally I pay in full but it was a tight month. Anyhow , not knowing how it works I assumed the min payment included interest etc. What happened is the min payment came out but the…
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Incorrect CCJ
Two weeks ago I went to get a new car and struggled to get credit. This was despite previously paying off everything I owe and cancelling my credit cards. Seemed unusual but it was sorted eventually. I also decided to get a new credit card as I am travelling to America so wanted one without overseas usage charges. I was…
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CCJ Creditor no longer exists to pay
Hi There, I regrettably have a CCJ on my credit file, i was out fo the country when this was processed. I would have paid happily(Annoyingly). However i am now back in the country full time and am trying to pay the CCJ however the company the money is owed to is no longer trading, or existing!?! I have contacted the court…
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Good credit report, poor score?
Hi All. Im hoping someone can help me understand why my credit score is so low, yet my report is so good? My Score is currently 2/5 which is pretty low... i tried to apply for a Tesco credit card and got refused. My report has previous addresses (last 7+ years), I'm on electoral roll, i have finance on a car, a mortgage, a…
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Equifax credit score errors
Hi Having been declined for a mobile phone contract, I checked my credit rating I signed up for the 30-days free trial with Equifax, they also being the agency the phone company used There were errors on my credit file, such as not there being a bank account linked to my current address, and me not being on the electoral…
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Credit Report
As expected, my credit report has some negative factors due to many credits, see below for the factors: Will it be disappeared in a year time or 6 months?
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Mobile Phone contract refused
I have just tried to sign up for a new mobile phone contract and I have been refused. I am 59 years old, don't have a mortgage, and have never purchase anything on credit and have always paid my credit card bill immediately. I have had the same bank account for 40 years. Could this refusal be because I don't have any…
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Credit report, reporting & finance co.
Good morning guys. Some assistance please. I was made bankrupt in July 2008 and had my home repossessed in Dec 2009 (Halifax BS). It had a secured loan that went with it via Blemain Finance - now Jerrold Holdings. Over 6 years has passed since the mortgage was in Default but it is still showing on my credit report (Default…
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Missed payments on a CC acccount > 6 Years
Hi All, I have a CC that I have been using for 10 years. I also have some missed payments for the CC that are currently 5 years old. I have made all payments since then. I have read that CRA's only keep information for 6 years, is this the case for open accounts? Will these missed payments disappear from my credit files…
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Credit reports at odds with one another - hugely so!
I've had a look at three different credit reports today - Experian, Noddle and Equifax. Each give a totally different picture, but seem to hold the same information :dizzy: Experian say I'm a good bet, score 999 (I find this hard to believe). Noddle, 580 and Equifax a dismal 262! What the heck is going on? (I'm very…
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Sister in law using my address for debt collectors!!!
Hi guys i am afte some advice please as I don't know what to do. My sis in law lives in spain, since sept 2013 In may 2014 she left her husband after he hit her (she ran away in the street with nothing but the clothes she was wearing and her passport) She came to stay with us for approximately 2 weeks, we gave her a roof…
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Default but no debt - HELP!
Hi, Wondering if someone can help me. I studied at University in the United States and whilst I was there, without my knowledge my Bank account was slowly accruing overdraft fees. I am well aware that this was very stupid of me not to monitor this. Upon my graduation and return I found my account had defaulted. I payed off…
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Moved House - Electoral Roll
Hi All, Hoping for a bit of advice here... My girlfriend and I have just bought our first house after a few years of saving. We are looking to take out some furniture on credit but we're not sure if we'll be rejected because we are not on the electoral roll at our new address yet. We can easily afford the monthly payments…
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~Defaults
Got 3 defaults on my account, and they all come off between now and August. Once they 6 years are up I am correct in thinking they just vanish ? 2 are paid up and one is in the process of getting paid off. Also got a Credit card on a AP When will I be able to start applying for a mortgage etc ?
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Longterm Impact of Large CC Balances
I owe around £10,000 on various 0% cards. The money is safely in the bank earning me interest and will be paid off before the 0% deals end. The total borrowed is quite high relative to both my overall available credit and my income. My question is will this borrowing be a long term 'black mark' or does the impact reduce…
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Old debt - how will it affect me?
Hi I have a very poor credit rating mainly owing to some old debt (2009-2012) which was built up over time while I was in and out of work. I recently discovered there are about 10 defaults ranging from different accounts with default values from £94 - £1598. The lenders are from LloydsTSB to some payday lenders (Not good,…
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Helped needed to understand credit score
Hi all, hopefully I won't appear too stupid. SOme background, I divorced about 4 years ago and my finances got a bit out of hand. I have anaged to get them back on course, but have no joy getting credit. I earn 40k, I have one CC with £550 limit which I use but keep up regular payments, other than that I have no recorded…
