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When does the 6 years until statute barred start
Is it at the date of default or not.
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Mortgage
Does anyone no if your mortgage appears on your credit report??
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Improving credit file after BR - can you have too many cards?
Hi I was declared BR in March 2012 and discharged MArch 2013. Late 2013 I change my name to my husbands name - which I think was a catalyst in me being as lucky as I was compared to some br as vanquis , who declined me only six weeks previously, accepted me in my married name and by the time my credit file was linked to my…
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How will renting affect my credit rating
I am 63 years old and thinking about selling our property to a family member so we can be mortgage free. We have been property owners for 40 years but we are now thinking of moving into a rented accommodation. The house is owned by another family member. We have an impeccable credit rating and have never been refused…
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Best thing to apply for?
After gradually getting my credit status into a fair condition. What would be the best thing to apply for to try and help my improving credit status. I know Im not going to be accepted for a mortgage or loan, but what about a credit card, catalogue, or mobile phone contract.
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Text loan / my jar
A number of years ago i took out a loan with text loan, which after a number of re-loans I could no longer afford. Just recently when checking my free credit report with noddle I notice they have put an entry on my file, as at 1/3/15 they say i'm one month in arrears. I emailed them asking what was going on, they say I…
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Help with Final Notice letter
I have a Final Notice letter from MK Rapid recoveries saying they may take legal action if I fail to acknowledge the situation. Does anyone know if they will do this and if I will be given a further notice of court proceedings before I actually receive court papers? I'm thinking of just sitting it out but not if I know the…
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Default posted twice on same debt?
Hi, My OC was Barclaycard and they issued a default on my credit file in April 2010. The debt was purchased by MKDP LLP in 2011. If I enter into a repayment schedule with MKDP to keep them at bay until the 6 year period of April 2016, can MKDP post another default on my credit file if I stop paying April 2016? Or does the…
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Bt Sport Default
Hi, After some advice on where I stand. I took out bt sport through my sky box in july 2013, after a couple of months I decided michael owen was dreadful and wanted to cancel. I rang bt in spet 2013 and spoke to someone and then cancelled my direct debit. I heard nothing from bt until January 2015 when I got a bill for 245…
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TRYING to get a new phone contract!
OK, so old phone contract has now expired, time for a new phone... Pop into Car Phone Warehouse and after much faffing about on their computers systems, the credit check was DECLINED on the basis the card used does not match our address. Hmmm Moved home in November of last year, but bank was informed of this 1 week after…
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What to do with 2nd credit card
Hi all, I have had a credit card with Vanquis since 2006, never missed a payment and currently don't owe anything to it and have a £3000.00 credit limit. However, this card has no benefits at all so I have just applied for the Santander 123 credit card which has been accepted with a £5k limit at 0% for 23 months. I am…
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Noddle
Is the credit score site any good, granted its free is it true and trustworthy
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Does financial linking show up on a credit file?
Hi, I've read through the credit rating/file guides and guides to building up a good credit rating, still have a couple of questions. I'm a student who is going to graduate soon and I want to start building up a good credit rating. Before becoming a student I worked full time for a year in the UK with a regular income…
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Bank admits error in mis reporting to CRA for 6 Years,compensation due?
Just would be interested to hear from anyone who has been in a similar situation. My bank admitted error in reporting data to CRAs, In my case nearly 6 years late payment markers,instead of marking the account as defaulted. And I made payments to them every month since. In terms of credit worthiness,if the default had…
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Letter from debt collector
Hi I received a letter from a debt collection agency in regard to an unpaid tax bill from years ago. Now I don't dispute this but have been long term unemployed and when I get the reminders every year from the inland revenue I call them up and offer to repay a little per week but they refuse. So what is the likely outcome…
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3 Credit reports 3 different scores.
Hi Everyone. Iv recently been in a position to pay off all of my debt and some debts be over 6 year old, so hoping my credit will improve which it has gradually but only on my experian account. there is also a bank account from Natwest that never had an overdraft or credit facility is this supposed to be there as it was…
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Joint Bank Accounts / 'Co-Scoring'
My girlfiend and I will be renting a property together soon and a joint bank account would definitely make things easier for us to manage. The problem is my girlfriend has been in her overdraft almost every month for over a year, whereas I (should) have a perfect credit rating. We will be applying for a mortgage in 6-12…
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Creditcall Credit Reference error on Electoral Roll
Hi, I have noticed that Creditcall Credit Reference Agency has error on Electoral Roll in that they have given me a middle name I do not have. This person with the middle name was born on the same day and year as me and has an horrific credit rating, I know as his creditors regularly write and phone me chasing his debt, it…
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Credit Utilisation - which accounts?
Hi there. I'm working on building up myself and partner's credit history to as close as 'ideal' as anyone can guess, with a view that we will be looking for a mortgage in a year or two. Re credit utilisation, I'm never quite sure exactly what this means or what figure we should be aiming for. At the moment we have average…
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lettet from debt collection agency giving me money?
I wasn't sure if the correct section for this post... So here it is. Got a letter from dlc collections agency saying to contact them because my account is £100 in credit. Bare in mind I've never paid a penny to these people however the reference rang a bell. I did have an mbna credit card about 16 years ago that I thought…
