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Too many soft searches?
Hi all, Is it possible to have too many soft searches? I know they don't show up the same way as a full search does but didn't know if they can have other effects? We have an agreement in principle from our bank for a mortgage while we are house hunting and they did a soft search. We've not found a house we like to put an…
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Vodafone Default
Hi, I'm wondering if anyone can help me or had the same issue. I am trying to get a default removed from my Vodafone account back in 2012 that was wrongly put on my credit file. Yet I have sent 3-4 letters and had no response also when I contact Vodafone they say they have no record of my account and cant help me yet they…
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Got credit report, help with default please
After many years of having terrible credit I pretty much gave up on even trying for loans or credit. However, this morning I was brave enough to join up with Experian and see what was going on! To my surprise, my score is good at 928. I always make sure everything is paid on time these days, so that has obviously helped a…
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A little advice please
First of all Hi and thanks for accepting me to the forums. I'm looking for a bit of advice really... I've been cleaning up my act in regards to my credit file for the past year. Specifically I now have only one glaring debt that remains outstanding (i have a few defaults, but are fully satisfied and they will drop off when…
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Getting details of a late pymt off experian from 2008??
Hiya. This is my 1st post and i should have made it a lot sooner! When i was 19 i bought a house with now ex partner. We split up and i struggled for a year on my own then i met my now hubby and i put him on mortgage. We then found out we were pregnant and wanted to move. To cut a long story short I paid off a halifax cc…
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Barclaycard Success!
Thought it would be worth sharing a good news story. Basically I defaulted back in 2009 on my loan/cc and agreed reduced payments etc. I noted from my credit report that Barclaycard hadn't entered a default till 2011. I queried this with them and within a day of emailing a letter to their social media relations team I…
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Judgement set aside - what do I need to do next?
Hi I have a CCJ from January for a 10 year old debt, I applied to have the judgement set aside using statute barred as my defence. Bryan Carter Solicitors are saying I made a payment of £9.59 in 2011 (just before the 6 years were up) so claiming it is not statute barred. Judge agreed to set aside and said I will get a date…
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applying for a mortgage!
Hi guys, We'll be applying for a mortgage over the summer, so I want to make my credit score the best it can be ready for then. I've just arranged to close down any recent credit cards, expired phone contracts etc, as they weren't showing as settled, so those are sorted We are now left with one 0% credit card with a…
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How to get credit report on Debtor
Hello I could not find a more appropriate forum, so am taking a punt on this one. If I am in the wrong place would someone point me in the right direction please. I have issued a Letter Before Action giving 14 days notice to settle before I issue a County Court Summons, which has not phased the Debtor one iota. From his…
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Car PCP on credit reports
I've always bought cars outright but now considering a cheap PCP deal on a Nissan Leaf as it seems a great commuting car. The current deals are 0% APR on PCP. I'm always of the mind to keep monthly credit commitments to a minimum to assist in any future mortgage affordability calculations. Given this, I am inclined to pay…
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CC claim close to timeout
letter from Lowell , 4 days before the 6 yr timeout , followed by CC papers the day afterwards , no contact with Lowell since the start. I know that it would be frowned on to by the courts to bring a claim after 6 yrs , but by the time the paperwork is sorted , and a court date it will be several mths after the 6 yrs is…
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Help!! Credit rating questions
Hello I am new to this site and looking for some sound advise after receiving mixed information. Question one: I have a CCJ recorded against me for £1128 on 17.04.2014 and was paid in full on 2.2.2015 (is still showing on my credit file). When will this come off (court only received conformation of settled payment on 26th…
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debt relief order and defaults on account
I took out a debt relief order in may 2009 and have really learnt my lesson. Anyway its due to drop off my credit file in may this year so i took a look at my credit file. I noticed that 4 of the creditors on the DRO have got my account as closed/settled in may 2010 and therefore the default will stay on my account until…
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First time buyer, help to buy equity loan. Credit history!
Hi guys. Looking for some opinions on my chances of getting mortgage approved by nationwide. We easily come within affordability calculator, have all deposit and legal fees and stamp duty ready to go. My concerns are that I have 12 payday loans on my file, latest one 2 years ago all payed on time, also I have a stage 4…
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disappeared default and credit score
Hi all, Just a quick one, I have been told recently by a few lenders that no credit checks can be performed on me as I am in debt. So I decided to apply on Noddle for a free score. When I checked my score was one out of five. I seen that I had two defaults one with orange and one with Vodafone. I was actually going to…
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Partial settlement vs full settlement
Just wondering how it would affect my credit history if ive cleared all my debts but the majority were done as partial settlement. Will these make much of a difference if they were fully paid. As they are all around 2+ years old is it worth just allowing time for these to drop off now?
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Credit score lowered
I know your score is a made up number etc but im just curious why my credit score would go down by around 100 points after paying off old debts and all my recent credit in the last 15 months is up to date?
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Declined for John Lewis/Waitrose card
I've been declined by John Lewis/Waitrose. There is nothing negative on my report. Currently open I have 1 mortgage (7 years), 1 phone (19 years), 3 credit cards and 1 current account all up to date. I don't have any searches in the past 12 months. I've lived at my address for 12 years and I'm definitely on the electoral…
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Mortgage Application: Financial Associations
Hi My partner and I have recently applied for a mortgage which was declined due to an (unsettled) Credit Default on my wife's record which dates back to early 2010. She was unaware of this and is now looking at settling this in the next few days but this will continue to remain on file for a while. We are now looking at me…
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Finally accepted
After waiting all this time for my defaults to drop off i finally got accepted for a mortgage. my mortgage advisor said halifax would be the most generous, 98.5k on a 20k salary with a 30k deposit. I'm still 7.5k short though but should i be confident with this mortgage promise. Could these past defaults show up on the…
