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Noddle - missing CC information?
Hi all I'm just curious as to why Noddle includes two of my three credit cards in their information, but omits the third? The third is a CB MasterCard with a zero balance, but a limit approaching £10k, and I've had it for more than 20 years. Thanks P x
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How to remove a delinquent settled account from credit report
Hi I took out a loan with nat West over 10 years ago which along with some other debts was tied up into a debt repayment plan. The loan went into arrears and a repayment plan was negotiated with frozen interest. I finally settled the all of my accounts in august 2013 and the defaulted accounts which originally defaulted in…
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Money from sale of a house...next steps please??
85K in bank fom sale of property.20 K LOAN AND 20K CREDIT CARD DEBT.Credit rating slipping because of so much expensive short term debt.Plan is to wipe out the loan wait for my credit rating to improve and then take out some long term cards(no interest) on a balance transfer....keeping up with the minimum payments so that…
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Discrepancy between Equifax and Experian
Hi all, My first thread on here, so please go easy. I need to apply for a £20,000 unsecured loan, and have already been "approved" by the soft search option offered by my bank. I have had a loan before with no issues. I was a regular subscriber to Equifax, and managed to get all my incorrect info corrected on there, and…
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Equidebt didnt settle CCJ even though i paid
I had a bank account loan through the Coop bank and it was passed to equidebt. In 2011 I paid the settlement figure and was told that the account was now closed. I m in the middle of trying to buy a house and it has came up that I have a CCJ from 2010 that I did not know i had!! It was settled as i said in 2011 but the…
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Trying to improve likelihood of getting a mortgage
So I came to these threads tonight as me and my partner have decided we would like to buy a house hopefully next year and was looking up ways to improve our credit scores but have found out these are not relevant so now I'm stumped! I have a couple of credit cards only 1 with a small balance (£30) which I am just paying…
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Free credit check despite existing account?
Hi there, Trying to check my credit file for the first time in years but both major providers seem to remember me and want me to log in with my previous details. Trying to check Experian means that I can't have the free report, it always asks me to log in and then provide credit card details with £14.99 being taken today.…
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HSBC v Experian hell
Hi Can anyone shed any light on this situation as neither hsbc nor Experian are helping! We are going to apply for a new mortgage as moving house. my husband had a loan with hsbc which was paid off on 1st April. Our mortgage advisor has recommended a Santander mortgage but advised us to check the loan was showing as…
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1st Credit offer or con?
I've recently had a letter from 1st Credit offering to pay 95% on an old debt if I pay 5%. Seemed like a good idea just to get rid of this. I paid my 5% which was accepted by 1st Credit. I now want to know if this was 'too good' to be true or was it a trick to catch me? Anyone else done this or have I opened up more…
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Experian Customer Service
I asked a question regarding my Electoral Roll registration and why it wasn't showing. I asked the question over a week ago and although I have been told they are working on it, I still haven't heard why it isn't showing. Anyone have any experience on how long they take normally?
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Identity Check
Hi All, Hope I am in the right forum. Recently I had an identity check done on me and was informed I have a redirect on my name which I was not aware of as I receive all my post. I had this issue almost two years ago and was told by Royal Mail this is inaccurate, so I let this issue go. However, this issue has come up…
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Does moving accounts Reduce Credit Score
Okay so I am a 20 Year old student, I started around 2 years ago with a Luma card which was always paid off in full every month, however around 6 months ago I decided to see if I could then qualify for any better cards, when I found out I would qualify for a capital one Cashback Card, which I did, so I switched to this…
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what can we do
my daughter when with her partner,had the fuel bills in her name,they split up years ago,daughter forgot fuel in her name,,he ran up a debt of 300 ,then it seems changed to his name,,this bill was ran up,after my daughhter left, got letter from debt cvompany,daughter phoned told them she had split at that time,they asked…
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Getting a credit report show ALL my credit cards?
If I get a credit report from Equifax or Experian (any others?), will it show what credit cards I had from the year...? how far do they go back? What info will they show just the name of the credit card, or the issuing bank? Looking at MSE looks like you can get a "free" one, trial type thing and then cancel, I'm sure I…
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No debt so should I get a credit card?
Hi I am hoping to buy a house within the next year and I am not sure about my credit history. The only debt I have is my student loan and since I've graduated I have been out of my overdraft. I currently rent my flat and only pay the rent. All bills and council tax are covered in my rent and so I don't have any to my name.…
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Settled CCJ Question
I have a question about settled CCJ’s, if this is in the wrong place please feel free to move this post. In September 2009, Westcot Credit took a CCJ out against me which I paid in full in November 2009. A few weeks ago I was checking my credit report and it showed the CCJ was active, I contacted Westcot, who gave me the…
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0% credit card minimum payment versus full payment
I've got a 0% on purchases credit card. As far as I can tell, it will not affect your credit score positively or negatively if you pay in full each month. What I'd like to know is if your credit score is affected by making the minimum payment whilst not accruing interest on your balance? Thanks!
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Can't verify my identity
I've been refused pre-paid travel cards because the companies say they can't verify my identity. One of them mentioned checking with credit reference agencies, so I've looked at my credit reports. According to Experian, Equifax, and CheckMyFile everything looks fine so far as I can see. Name and D.O.B correct, on electoral…
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My Jar (Text Loan( Default added 3 YEARS LATER - REMOVED !!!!!
Hi Everyone I have seen posts from people who have discovered defaults they had not received on their credit files from My Jar formally text loans years after their accounts went into arrears. Same happened with me but after a few emails they have agreed I can pay back the loan and they will remove the default from my file…
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Credit File ruined for £59
Hi I have been waiting for the last 6 years for defaults to drop off my credit file. I lost my business years ago and went through hell paying back loans etc. I had 8 defaults at one point but steadily the balances have been paid off and the defaults dropped off due to being 6 years old. I am now in a good position…
