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2 entries for same debt
Looking at hubs credit file on noddle and Equifax he has the default registered with the dca on 14/03/2013 but then ccj for the same debt exactly a year later Is this correct reporting? the CCJ was only for part of the debt not the whole thing. the amount that has been paid for the CCJ has now been satisfied but how do we…
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Classic Question: Pay Off Debt v Balance Transfer
Hi all, I am sure this question has been asked plenty of times before but I have £3k of credit card debt. I've saved up a pretty sizeable deposit. However, my plan was to move the £3k over to balance transfer for 18 months and pay it off via standing order. I am planning on applying for a mortgage in the next 3 to 6 months…
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credit card/credit builders
What's the best way to improve my credit. I have a mobile contract, broadband, tv and phone all with EE. I have a 123 account with santander £250 overdraft that never gets used. I spent time clearing debts and had car finance but to help save I handed it back after paying up to the 50% mark. Also satisfied all my credit…
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Nat West issued Default Notice at that old address then defaulted account
Few years back had NatWest gold cc . Had few financial problems that they were aware of,effectively sold my house,repaid NatWest mortgage in full,also a 9k overdraft. I contacted the bank obviously to inform change of address. My NatWest Cc was 2 months in arrears and they sent a default notice to the old address,this was…
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Equifax
Hi, can i reclaim money from Equifax as I've been paying for a couple years and i see we can reclaim off Experian?
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How can I improve my credit file?
Hi My Equifax credit score is 611, which is really poor. I am 28 years old, I have a default notice which Barclays applied back in May 2009, so I understand that is to come off on 19th of May 2015, so I think this may help. I have debt on 5 credit cards, the collective limits total £9450, 4 of which have poor interest…
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Reducing Limit on K&Co Account
After lurking an reading various stories about high credit limits I have just reduced my credit limit on my K&Co account from £10,000 yes you read that right, to £4,000 having read on here that having a large amount of unused available credit is harmful to how lenders see you. I have now just read on another post someone…
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Account In Arrears But....
Hello guys Injust need to ask a couple of questions I have regarding my credit report which I have really decided to try and clean up recently. About 6 years ago I had a couple of loans tied into a car and needless to say defaulted on one of them as I lost my job. The one I defaulted on is due to come off my credit report…
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Noddle 1/5, What Can I Do?
Hi all, My Noddle credit profile shows I'm on 1/5, Experian is equally bad and I'm trying to figure out how to improve my profile as I was recently rejected for a balance transfer card that I thought I'd get. My financial situation as it stands isn't the best due to job change and I'm playing catch up, I utilise the…
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What to do before buying a car on PCP
Hi as a lot of you on here have I have a few debt issues that I've nearly resolved. I currently have just over £5k on an interest free credit card and a £9k loan. However I'm making massive strides to pay this off and should be clear by the end of the year and have some savings. Now here's the interesting part, I need to…
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Cab
referring to this online doc. https://www.citizensadvice.org.uk/scotland/debt-and-money/help-with-debt/how-to-dispute-a-credit-debt/time-limits-for-recovering-debt-in-court/ however the CAB states "A statute barred debt doesn’t disappear. But if a debt is statute barred the creditor can’t get a court to force you to pay.…
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what to do next?? credit file queries.
Hi everyone. I know a lot of people say credit scores dont matter etc however iv recently paid off all my outstanding balances and have 3 different scores however i was wondering what to do to improve your scores when iv done most of what i think i can do there is no remaining debt,all accounts are closed and…
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Default on credit file from supposed CANCELLED contract
Hi guys, first post here as wasnt sure which route to take first, and didnt know how to correct this. My boyfriend just tried to apply for a loan, with what we thought a perfect credit score, he got declined, so we decided to do an experian credit check to see what the problem was. Turns out its a default from T-mobile/EE…
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Financial Disassociation but Still Together
Good morning, I'm worried my poor credit history will negatively affect my partner. Having a joint bank account for bills has now financially linked us, however if that starts to affect her I'd want to disassociate. I was hoping we could just close the joint account and apply for disassociation however from the forms you…
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Will these defaults effect my mortgage application?
Hi, I defaulted on two Halifax accounts in August 2009 and settled the balance in full in September 2013. I am no applying for a mortgage and have to answer whether or not I have had any defaults in the last three years. Of course, I haven't defaulted in the last three years but the default was there. It's worth mentioning…
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Previous homeowners defaulting on payments
Hi MSE'ers I moved into my first house last June, and we're still getting the previous homeowners post (and electoral voting cards today!). They've not redirected any post from bank accounts/credit cards etc. At first we put them back in the postbox with "return to sender, no longer at this address" written on them,…
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Can anyone advise about A,B and Credit passes please
Hi Firstly I hope I have posted my question in the right forum as I am new to this. Today I have seen a Lloyds Bank Mortgage Adviser. He was impressed with my credit score of 997 and thought all the other requirements for a mortgage were good. He did a credit search and it showed a good rating. From the information I…
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Studio 24 black mark on my credit file
In January I raised a complaint with Studio24 due to a black mark being placed on my credit file incorrectly (long story) I didn't hear anything so raised the complaint in an email at the end of March. Had an email back to say they would contact me in 5 days or a timely manner with an update. Today I rang them and…
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6 year rule
A couple of years ago myself and my partner tried to get a mortgage but when we checked our credit ratings he had a default recorded from Barclays for approx £5.5k. He was certain that this had been settled as part of a debt consolidation he had done with previous partner however did not have any paperwork to prove it and…
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CCJ on Credit file
My husband and I were really pleased last week when we checked out credit files and found that he is now rated as Good and me as Fair on Experian. However, my husband is still being turned down for loans and I tried just to see and got turned down for a loan which Experian recommended I would be suitable for at an APR…
