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Default On Credit Report - COmpany Held Completely Incorrect Address For Me
Hi All, Thanks in advance for those that can assist. Late last year I received a letter from Robinson Way regarding a Hoist Portfolio debt they had bought from Santander. I rang them and queried this with them as I didn't recollect the debt (bank overdraft apparently). I have been chasing them for statements but nothing…
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Credit Score reduced due to joint account/missed payment?
Hi, Myself & my husband have been clearing out credit record for the last 5 years. Mine is 'excellent' with Experian. My husbands was 'Good'. We went to Barclays who I bank with, to talk about getting a mortgage with them. They suggested adding my husband to my account making it a joint account & both being on the…
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Am I Out Of Luck?
Hi guys first post to the forum :money: Basically i have to get a new motorbike on finance... however my credit rating is in the red (halfway to be precise) do you think the finance provider (black horse finance) will allow me a guarantor? Thanks Guys!
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Does an isolated one-off missed payment affect your credit score?
Hi everyone, I'm a MSE newbie because I've been after some info for awhile now that I can't really get to the bottom of and that hopefully somebody here might have. Ok, as the title says, does an isolated one-off missed payment to a credit card affect an individuals credit score? A year ago this month, I was 2 years into…
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Ability to get credit has taken a nose dive due to duplicate default
I don't know what to do.
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Credit ratings - mortgage?
Hello I need a little advice. I have a fair credit rating. I have never missed any payments and all I have is my car on finance £4000. I always have paid everything on time etc, never been in a mess. My credit rating seems to be so bad because I have moved house, moved bank and bought my car recently. Is there anything I…
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Clarification / help with Credit Report Entry from GE Money
I'm hoping to get some understanding of exactly what an update of my credit file means and how, if possible, I can get it corrected. I have a mortgage with GE Home Lending. Around the time of a divorce, June 2012 I missed a payment on the mortgage. I continued to pay the mortgage thereafter with one payment of arrears.…
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Poor credit after loan default and DRO
Hi everyone, In the folly of my youth I got into a significant amount of debt. It started as a small amount of credit card debt and a loan to pay for an educational course but I will hold my hands up and say that I made a lot of poor choices which caused it to spiral. By the time I was 22 I was paying over £400 a month in…
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Cancel gym, does it affect credit?
Hi, Me and my girlfriend got a joint membership for a gym with North county leisure part of BeAtive Newcastle. We used it quite a bit but now due to other commitments we have been unable to go and tend to just do our own thing like running outdoor and fitness DVDs. We need to cut costs and currently pay £60 per month for a…
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Credit Card eligibility calculator
I used this the link provided on this weeks email which stated that using this would not leave a hard search on my credit file but it DOES! Just received an alert from HDD-PRICE COMPARISON-BARC
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Experian: How many points does electoral register increase?
I'm not looking for people's opinions on whether they think the Experian score has any significant meaning. I'm not asking for general advice on how to increase one's credit rating. I'm asking specifically if anyone here knows how many points does the score on your Experian credit report increase by once Experian has…
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Enquiry entry on Credit File
I posted this on the Loans forum but thought it might be better here... I checked my credit report (for the first time ever, what fun) today and an enquiry is listed from Wonga, from January 2015. I have borrowed from Wonga in the past, but the last time was February 2014. I haven't had any dealings with them since. I have…
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Experian email and password alert
Hi, all. I just got an alert from Experian that my email address, and the password I use to access it, is being sold on the open market. I've changed the password just to be safe, and checked which online accounts use that address - none that can be used to rip me off, as it happens. My question is: How do they know that…
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Credit File error
I'm after some advise regarding a credit reference agency mess up. I have been aware for past couple of years that Experian credit reference agency have not shown me as living at my current address and not being on the voters register despite being assured by the council and Call credit that I was on the list. After years…
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Thanks MSE!!! :) R.E Credit Expert
I was looking on Reclaim £1000's about credit expert So I knew I had been with credit expert since 2008 on and off, so 2 days ago I sent a email about being mis-sold a product and today I got £210 payed back! :beer:
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uk citizen but not lived in uk
Hi im very confused on what i need to do to get my finance on track at the moment and could use some advise on what to do. I have a valid uk passport and am by all means a uk citizen and was born in the uk. however in my early teens i moved to the states with my parents and lived with them, i didnt need anything in my name…
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How long before I'm less toxic?
After years of paying of some horrendous debts (including two CCJs), I am finally debt free. After a house sale, I have enough left over to put in a savings account, but no one wants me. To get an account, I must pass a credit check....no way will I pass one for one of the decent savings accounts (Santander has already…
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ccj not paid when 6 years have passed ???
my wife is paying 50 per month towards her ccj she still owes 5000 yet her ccj will be 6 years old in two years and she will still owe thousands at this point what happens does it still dissappear? if it does dissappear does she continue to pay or doesnt she have too? does it remain on until it is paid? if it dissappears…
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Problem - No credit history
Hi. I would if someone could offer advice please? I recently tried to apply for a Post Office standard current account; no overdraft of loans, just a place to save money. They have just rejected me based on information held by Experian. Six months ago I checked my credit information with Experian, Equifax and CallCredit.…
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Can't be found at Credit Bureau
Hi all, I've gone on to MoneySupermarket and Money Saving Expert the check eligibility for a credit card. Both come back to say that they can't find my details at the Credit Bureau. However when I went on to Barclaycard and Totallymoney.com with the same details they were able to give me a rating for each card and hos…
