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credit cards - to chop or not
Hey all, I have three credit cards and I am wondering if to cut one of them. The cards are: 1. Natwest Mastercard (purchase deal ended now) - £6k limit - 0£ balance - 2 years 2. Natwest Visa - 750£ - 0£ balance - 10 years + 3. Halifax - 14 months left on 0% purchase deal - 5k limit (using 1k at present) - 3 months I am…
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Default Notice
Hi all I have had a default on my credit file since 2012. It was my Tesco CC and they defaulted me on £24. I came to an agreement with them to settle my CC and this was done within 6 months. However, I have requested that they remove this from my file as Im trying to get a mortgage but with no luck and they have point…
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Credit rating subscriptions
until we get a mortgage in our own names later this year we have taken the decision to subscribe to the main agencies for there service. It means I can log in any time and see the latest balances. It is a bit of a bill though, Credit expert £14.99 x 2 Equifax £14.95 x 2 Noddle a bit cheaper at £20 for a year x 2 so over a…
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improving my credit history
Okay so I've made a lot of changes over the last 12 months as I've been pretty careless with how I manage finances and I've been very laid back in my approach to debt in the past and let small amounts of debt spiral in to larger numbers and ultimately resulting in a number of defaults and also a CCJ. I have called all my…
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Paid weekly in cash, affect credit rating?
Hello I have just been offered a new job, which pays weekly by cash. In my current job I'm paid monthly via BACS. Does the fact that my employer is not paying directly into my current account have any bearing on my credit report/rating? Thanks.
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Making improvements
I have been in my current address for almost 2 years, due to upcoming election & credit report I have discovered I've not been on the electoral roll. Oops. I've rectified this, just waiting for credit file to update. Wondering if it'll make much of a difference to credit score? Also, there a couple of old (4-5yrs) debts on…
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Financial link and my credit?
I split with my ex in 2012 and in 2013 I paid off all my debts, I was on a Dmp with step change but once I became single managed to sort my finances out! In 2013 I got a vanquis cc which has never missed a beat :-) all payments up to date. In jan 2014 I got a gmac car loan for 6k paid in off eight months later, no missed…
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Explain the time barred rule for me
Hi I know in England & Wales its 6 years but when reading the nationaldebtline.org site and inputting scotland it says that the Prescription and Limitation (Scotland) Act 1973 it's 5 years for them to pursue the debt. I know that the credit reports remove them after 6 years but then what does the 5 year rule mean Could…
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A little advice
Hi and thanks for reading. I am in a position where my CCJ and 2 defaults come off my file in 3 months. I currently pay £25 a month to my defaults and they have about £500 in total left to pay. What happens if I stop paying the £25 a month, can they reapply the defaults or try to take me to court to turn them into CCJ's or…
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default put back on!
Hi I went bankrupt in march 2009. Last Feb I started clearing up incorrect default dates. Aqua had my default as 15/10/09, not 03/03/09 (br date). After sending recorded letter and id, they wrote to apologise and confirmed they'd fixed. It updated on all my files to 03/03/09. Now my br and all my other defaults/accts…
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Defaults to CCJ's time limits?
I'm in a position where my defaults are coming up to the 6 year mark where they should drop off my credit report and am hoping to get a mortgage in the next couple of years. I have payment plans in place but now worrying myself they could turn into CCJ's at any time! Anyone have any experience or advice on this? Thank you…
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Statutory Credit report
Where can i order a statutory credit report which includes all of my credit history and not just what is reported to experian etc? Not sure if this even exists but thought id ask. Thanks
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6 year old debt
hello experts i need your help regarding the issue of debt. i am a IFA, 6 years ago i had opened the forex trading account in Alpari Uk, and let my software to trade for few weeks, after few weeks it made me a profit of £2650 and then i took a withdrawal. then few months later i received the email from alpari uk to return…
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Experian £2 report?
Anyone know when ordering the £2 report from Experian, if I order the report tomorrow and get the pass key a week later, do I see the report that was issued on the 5th or when I actually enter the pass key?
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Mother showing as financially linked
Hello I signed up to Noddle as I've recently cleared my credit card debts and closed a few accounts. I was surprised to see that my mother is apparently financially linked to me since 1/1/2004 and this was last updated 1/10/2005 by GE Money. I can't for the life of me think what this might be as we've never held any joint…
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Credit Report and Electoral Roll
Hello people, I'm after some advice. I moved address about 18 months ago just within the same town. My credit report with Experian says I'm not on the electoral roll at my new address although I was at my old address. The council have confirmed they've updated. However the address that the council have my house is slightly…
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O2 incorrect missed payment on credit file.
Hi I'll try keep this short Basically I cancelled my o2 contract in Jan...I paid all the fees associated with closing early etc. But I received another bill in Feb asking for £372 for the contract. I then contacted O2 and they said there was a problem with their system and that I dont owe anything. However another month…
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Business Credit linked to Personal?
Hi there, totally new to the site as a member although i have read with interest many articles which have helped me to no end. I have searched the forums but cant find anything related to this... I have a relatively succesful business with a healthy balance that has been well managed for some time. However my personal…
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CCJ Removal Advice
Hi Guys Im after a bit of advice I went bankrupt in June 2011 and as part of the bankruptcy there was a debt to T Mobile about 6 months later i got a knock at the door from somebody trying to recover the debt so i explained about the bankruptcy and showed my certificate and thought that was that until a company called…
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Capital One payment plan
Hi there I really hope that someone can help me. My partner was very poorly with cancer and out of work. I called Capital One who said that I could go on a payment plan that meant that no further charges were added to my account and I had to make selected payments with a larger amount as the last payment to bring the…
