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CCJ Settlement?
Hi, just wondering if anyone could offer some advice. I've got 2 CCJ's with about 4 years left on each, I might be in the position very soon to pay them off in full, I was just wondering roughly how much this will improve my credit score? will it have any effect at all? :)as I understand the CCJ will still be on my file…
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Shared Ownership Application, Credit Cards and Credit File
I'm looking at a shared ownership option through BPHA http://www.keyhomes-east.org.uk/index.asp They've informed me that I can't view any properties until I fill in an application form which allows them to assess my affordability, and that this credit check would leave a footprint but this should not be detrimental to my…
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Letters from Sigma Red to wrong address
Hi all, Apologies if I've posted this in the incorrect place, but just wanted a little advice before I proceed with replying to some letters I've received from Sigma Red (I keep having to correct myself from writing Simply Red!). Basically, in August I moved out of a flat shared with my former partner, things got quite…
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Keep or close unused credit card account?
I have a Capital One credit card I no longer require (I have an alternative one). In terms of credit scoring am I better off leaving it open with a zero balance or just closing the account, or does it not matter either way? Thanks
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Disappeared debt on credit file
Hi everyone. I'm debt free now but had a halifax credit card (as well as another 2 credit cards). I went onto an arrangement with CCCS and paid it all off about 2 years ago (the account had a default) and it has been on my records up till this month on my Noddle credit record. It has just disappeared which is really odd. I…
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Help - Bank Charges
Hi all I am after some advice on what to do around bank charges that i have. I stopped using my current account around March last year (i did not close the bank account down), my reason for stopping to use it was because they was unable to upgrade my card to a Visa card (and another bank did) So in my eyes at this point…
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How long will DMP marker stay on file
I am just coming to the end of my DMP, thank God. Long slog but will be clear later this year My last default is now off. The only snag is MBNA/Moorgate who will haunt me for another few yrs with AP markers. (I have 3 yrs of greens as I am now paying more than the min, and 1 yr of APs, although I've been on the DMP for 8…
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UPDATED- 4 years of late payments recorded- delinquent account
I wonder if anyone can help, I've made so many phone calls and trawled the Internet that I'm completely addled! I was in a DMP with Payplan from 2005-2014, when I was able to pay off all my debts. I made all my payments to Payplan on time . Of all the accounts, only one, HFC, remains on my file. The accepted the agreement…
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CCJ whilst out the country - how to deal with it?
Hi everyone, I've been out of the country for the last 6 months and have learnt that I've had a judgement made against me for an old loan. I've missed all the dates and therefor have now received a demand to pay up. What steps can one take to go back and object to this - if I even can!? I'm trying to rebuild my credit and…
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Obnoxious Solicitors
Hi, just wondering if anyone knows whether solicitors have any length of time to actually pay a client? I had a debt to Nat West being dealt with by Shoosmiths solicitors, I arranged an early repayment with them and duly paid the full amount on Feb 7th this year. I decided to check with Nat West 2 weeks ago to see if the…
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Halifax Clarity Rejection
I applied for the above card early last year, based on it being the top rated for overseas spending on this site. I was told by phone they couldn't process the application because I had another Halifax credit card (which I didn't use any more). I cancelled the card and waited three months as suggested and applied online. I…
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How long for credit file to update
A default was placed on my file on 6.4.09 I maintained the agreed monthly payment and finally paid of the final amount on 6.3.15 received by capital one on 7.3.15 but not processed by capital one until 17.3.15. It is my understanding that the default marker should now come off my file but it is still on there despite 2…
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voulantary termination does this affect my credit history
Hi would really appreciate some advice on this. Would voulantary termination of my hire purchase agreement have a negative effect on my credit history? I need to pay £475 to qualify for it as that brings me to the half way point. I've never missed payments etc and this is purely being done due to a change of circumstances…
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Pls Help...Unaware of CCJ what to do??
Hi, any help appreciated... I have been with Experian building my credit rating paying £14.99 per month for a while, got it to 'fair' applied for a loan they matched me with and got refused....when I recieved a letter from the company it said to check Equifax which I did...first £2 then £14.95 to read full report finding I…
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Credit history and credit checks for job in finance
When my ex and I split up over 4 years ago, we had a few disputes over who was going to pay for what. It ended with a joint loan which was settled in July last year (but consequently defaulted over a long period of time), and I have two credit cards in my name only which I am repaying - one normal payments and the other as…
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Bank account not showing on credit file
I have checked all three companies and it is showing on none of them ? It is an Abbey National now Santander account, I have had it for at least 30 plus years ? It is used but only for a few hundred pounds a month, it has visa debit card for it, and a savings account attached to it. It does not have an over draft, but…
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Student loan from 96/97/98
Hi, I think it is with the honours student loan company. From what I can tell of my last 6 monthly statement. This does not show on my credit file (I have checked all three) is it true that it can not show up on my credit file ? Its an Old style one which I can defer if you do not own a specific amount. Can anybody let me…
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Old/Settled accounts.
I've heard that to improve your credit record you should have all your accounts and everything at your current address, but what about old closed/settled accounts that show up as being at an old address, will that make much of a difference? And being closed accounts, how do I go about changing address?
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Do I pay my loan off or not?
Due to a joint tenancy when I was a student, I now have a CCJ. I've been trying to repair my credit rating for the past 2 years, as I do not want to have to wait another 5 years to get a mortgage. I have recently come into some money and am debating whether to pay off a £2000 loan I have.... Do I pay off the loan, as this…
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Repairing a Poor Credit Rating in order to rent...
My partner and I are eager to rent a property , my only concern is that I have recently recovered from 3 years of very poor credit. I was in a very difficult financial position a few years ago which unfortunately resulted in me taking out payday loans and racking up lots of debt. 3 years later , I have now recovered…
