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Will £2613 default dropping off improve score?
Got a default that is going to drop off my credit file in July from overdraft charges on an old Account. The amount was £2.613. Will this dropping off my report make much difference do you think? The are some other defaults, again really old. I have started to be approved for more credit again now. Score is currently 582…
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Credit Building Myth
Hey there, I know there might be a thread that debunk my myth but i cant seem to find it out there. I just wanted to clear something that a friend of mine told me and to see whether is it worth risking it. I've no debts and constantly been repaying my credit card in full each month. But i was told that is not the most…
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Negative marks years after first in debt?
Hello, My partner ran up debt with a mail order account quite a few years back (2008). She had some missed payments (6 months and 2 days between payments at one point) back then but they didn't record them or put the account in default. She then started making minimum payments under PayPlan and did so for several years…
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Do Experian place AP markers when appropriate?
https://forums.moneysavingexpert.com/discussion/5220175 I've been having an ongoing saga with HSBC, as linked above. I was in a DMP, and payments to an HSBC account under this arrangement were logged as red 6+ late payments for several years. No mention was made that they were arranged DMP payments. I have complained, and…
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gym membership.
Hi all, my girlfriend and I joined a gym with a year's contract. I registered it in my name but it was signed up using her bank account. Now she has got in more trouble so is just going to let herself go default, because the gym is in my name but still get bank account will this affect my credit score?
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Building a good credit history
Hi all Got in a debt spiral which essentially culminated last year in 2 defaults (which have now been satisfied). I am now in the process of trying to rebuild my credit history. I understand that after 6 years the defaults fall off. But how long roughly (I know each case is different) will I see an upturn in my fortunes. I…
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My address (not ID) used for fraud...?
I've recently had 2 letters arrive (from Vodafone & EE) to 'my' address, but to a name not known to us. On ringing both Companys it appears that the villain walked into a Carphone Warehouse and using fake ID, walked out with two iphone 6s. He used my address to do this, but not my ID or bank details. I reported it to the…
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Callcredit Credit Agency
Everyone should have a look at the Callcredit website. Click on the Business tab not the Personal tab. I was a bit shocked at what really happens to everyone's information and the special tools they have for businesses to use in regard to data collection. Makes interesting reading!:eek:
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What will impact my credit rating more?
Hi I am after some advice around credit ratings. I currently have the following debt (all credit cards): Lloyds: £6355.95 (£1338.28 at 12% interest £3781.67 at 0% interest until July 2015 £1236 at 0% interest until Jan 2016) card limit £7000 Natwest: £3938.43 (at 0% interest until Jan 2016) card limit £4500 Barclaycard:…
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Please help; Should this account still show as a default?
A few years ago my partner was £930 overdrawn with Halifax. He made arrangements with a company called Moorcroft to pay it back at £100 a month. This arrangement finished in early 2014 after he made all the 9 monthly payments. We have got access to his credit report with Experian using the free 30 day trial. Part of it…
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NRAM and late payment markers
Just trying to get an opinion about some late payment markers I have on my credit file and if I can dispute them To cut a very long and painful story short I was left in debt after divorce. It was acronmonious and took 3 years to settle. In that time I went on a DMP with stepchange and paid what I could - no problem. In…
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CCJ On Report - Do I have a case?
Hi all, I've just got my credit report to check why my interest rates were high and I have an outstanding CCJ on there I didn't know anything about. The story is I moved house and while settling in I tried to find a gym in the area and went to check one out. The carpark was secured with cameras but it was a carpark…
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AP on Equifax
Hi all, long time lurker, first time poster. My husband and I are looking to buy a house within the next six months or so. Thought I'd start getting things in order by looking at our credit files. I've discovered that my equifax file has an AP marker on my Santander credit card entry in March 2012. When I called them to…
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Charge orders against property
Hi I am currently separated from my husband and have been for almost 5 years. We have bought two properties while we were married however because of a previous house repossession in my name, both mortgages are in his name. Since we separated he has moved to the other house and I still reside with the children in the family…
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Improving a bad score
Hello, I currently have a credit score of 235 which seems very bad. Bit of a back story which seems similar to so many others - debt at a younger age and a few missed payments. I’ve been in the green since 2010 but I do have some credit cards which are maxed out. Things highlighted on my credit report include the amount of…
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So much incorrect information...
Hi All I'm a first-time user and before I get my rant on I want to explain my circumstances... in 2009 I was self-employed and all was good, I'd recently got a mortgage and my Wife and I were expecting our first child. Before the little bloke was born I was forced into bankruptcy thanks to two companies going bust on me to…
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Desperate to settle default but no one will acknowledge it!
Hi, I've pulled up an Equifax credit report as i'm hoping to apply for a mortgage in the coming months. To my horror, a default that I obtained back in 2010 when I was a student is on there with Virgin Media. Everything else is green 0's and it's not stopped me obtaining credit ever. I am desperate to settle this, it's…
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Any experian experts out there?
Hi all ok, this is a very long and complicated issue so I wont go into all the details. Basically my husband has been the victim of identity fraud which resulted in a number of defaults being registered on his credit reports - his credit report on equifax and call credit/noddle look awful as there are about 7 defaults my…
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Getting debt letters for previous occupants
Hi, We bought our house over a year ago and have recently had more and more mail coming through for the previous owners. I have marked it as no longer at this address and sent it back but they keep coming. I was getting quite fed up with them so opened one and it is a debt collector threatening legal action. Should I do…
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How can I get CCJ details from abroad?
Hi everyone, So I am currently living abroad and I know I have a CCJ under my name but have no idea where it came from.I am currently living in Greece and I was wondering if there is a way for me to find out which company took me to court .I have the case number,date and amount owed but nothing rings a bell. Is there…
