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Nat West on AP for 6 years,Need a retrospective Default
Had a NatWest personal loan for £14400 in early 2009,contractual repayment amount£307 per month.Within 3 months encountered financial problems. Advised Nat West but they issued a default notice around June 2009.(transfered to Triton) I then agreed arrangement to pay initially set at £200 ,every 6 months they contacted…
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Do credit analysis companies talk to each other and are your accounts linked?
Hello, I started a membership with Experian to see my credit report after being rejected for credit. There was lots of missing information - namely missing addresses and being on the electoral roll. I have since changed and added the information and the report now looks like an accurate representation of my credit history.…
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Different score with credit reports
My credit file with experian has a score of 890, 71 off being an excellent score. All info is identical on equifax yet my report is poor with a score of 338... I have two defaults with dates 03/04/2009 and 06/04/2009. Today is the 3rd, should i be expecting these defaults to dissapear any day now.... What date do the…
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What is better a defaulted and settled or a defaulted and partially settled?
Or does it make much of a difference anyway as the account has gone to a debt collectors. Many thanks
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improve credit
So I have pretty bad history in terms of credit. I have 4 defaults from 2010 - 2014 and I have a ccj from 2014. I have satisfied the ccj and partially settled the others. I was just wondering when I can expect my history to look more favourable to lenders. Not that I want debt or anything but I will be looking to get a…
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To apply for credit or not to apply that is the questions
Hi, my wife and I are hoping to apply for a mortgage in the next 6 months (after selling our house last year and living with the in-laws but that's another story). Looked this week at both of our credit reports. I have a Good Report scoring 939/999 with Experian My wife has a Fair report scoring 855/99 with Experian. The…
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Default on mortgage
Hi I have a default on my mortgage from 2013, at the time i was receiving government assistance towards paying the interest, my mortgage company took too much then returned the payment, I then received letters advising me that i had fallen behind on my mortgage payments, on numerous occasions i requested a copy of my…
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Company Credit Score/Report
Hi, Does anybody know where I can get a free or low cost Company/Business Credit Score/Report? Personal credit score/reports are easy and often free to get hold of but I'm not finding the same results for a company one. Regards Paul
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Background Screening - Credit Check
Hello everyone, I've seen similar stuff posted on these forums but nothing that really addresses my query here. I have recently been given an offer of employment from one of the 'Big 4' in the UK, the job is on a graduate scheme in the Audit service line. As part of my provisional offer of employment, I have to complete a…
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store finance and credit card
Hi all We just completed on our first house and are in the process of buying a kitchen. We wanted to take up buy name pay 12 months later for approximately 3.5k. At the same time I also wanted to take out a credit card with 18 months 0% purchases. Would it be a bad idea to be both credit checked for both on the same day or…
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Citizen Advice Bureau - what information do they have access to?
Hi everyone, I have noticed that CAB forum is not maintained since 2012, I am not sure if this is the right place, probably not, in this case please move this topic to the right place, but I wanted to ask you this question anyway. I know that CAB help people, but it came to my attention and made me a bit scared that their…
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X Partner on my Equifax Report
Over 10 Years ago my x-partner and I had a joint account.. I've recently have done a search and he is still on there through this 'joint account'. Four years ago I tried to close the account but was told they needed him to sign.. BUT I cant be closed because my X Partner is NOT willing to sign..!!! I have been in contact…
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Store card problem from 2009!
I paid off lots of cards back in 2009 and closed the accounts. I thought that was the end of it until I recently checked my credit report. I found my Argos card still said I owe money! I arranged a final payment with their debt collection agency Moorcroft in 2009 and presumed the account was closed. Having spoken to Argos…
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Cancelling Equifax
Hi all, I cancelled my Equifax trial subscription last night. I have received two emails confirming cancellation of Credit Score and Web detect. I am worrying as they may not have cancelled credit reports? I don't want to have to pay anything when the trial ends. Does anyone know if that means it is all cancelled please?
