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Credit file & ratings
Archives for May 2015
Discussion List
Equifax Problem
Hi guys, I am in the process of applying for a re mortgage, my chosen lender uses Equifax, I signed up for their free 30 day trial and had issues activating it, spoke to the lady on the phone, who I gave my date of birth too, she kept questioning it, but thought little of it, she asked about current and previous credit…
British Gas default
Hi I have just discovered a default which was put on my account that related to a rental property I had . I gave British Gas the final reading at the property before the new tenant moved in and my new address. My tenant decided he did not want to pay me anymore half way through the tenancy and I had to evict him . It was…
Halifax Clarity credit card - will withdrawing cash abroad affect my credit score?
I've recently got myself a Halifax Clarity credit card specifically for a forthcoming holiday to Majorca, as it appears to be the cheapest way to access foreign currency. I just wanted to check the situation regarding withdrawing cash on the card and whether that will adversely affect my credit score. Throughout the MSE…
will my credit rating be effected if i am in rented accommodation?
I was a home owner for 15 years, paying a mortgage and presume have a good credit rating (never been refused). now living in rented accommodation for the last six months and as a result we currently have no debt - credit cards, mortgages etc.. I'll be looking to get a mortgage within the next 18 months and I am concerned…
Equifax Wrong?
Hi Ive just been checking my husbands equifax account to make sure a default that should have fallen off has done, and its still showing! it was dated 28/4/2009 its gone off the experian and noddle but not equifax what shoudl we do now?
Account numbers change
Hi all My Santander current account numbers on Equifax have the letter "P" added to the end today. Anyone tell my why?
Equifax
Warning: long post. I'm checking my credit record with all the agencies as I've been seriously ill for over two years and have been unable to keep up with stuff properly. I live alone. I've had an account with Experian for several years, and am happy with them. This has been a godsend in light of the treatment I've had…
What are classed as normal household expenses
What are classed as normal household expenses when applying for a debt relief order Gas/ electric/ water/ food & shopping/ Any help is grateful thanks
Paid CCJ after 6 years
Hi Everyone, first post but just after a little info really! 7-8 years ago I stupidly took on more debt than I could afford to pay, ending up with a CCJ, which is dated 21st May 2009 on my Experian report. I couldn't afford to pay it off within the 5 weeks, so applied for a variation order for monthly payments - I put all…
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