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Credit rating confusion
I am having some confusion over my credit rating. Whilst my credit report shows what I think is a good credit rating, I have been declined a credit card application. I have just used your eligibility calculator on this site and I was told that you couldn't get my information from the credit bureau. I am eager to resolve…
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Old Debt - New Entry
An old debt that I am paying off via StepChange has been sold to Arrow Global. The old debt file has disappeared from my file and Arrow Global have started a new file from the date they acquired the debt that doesn't show as a defaulted account or the original default date. I have a similar situation with a debt sold to…
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Lloyds Bank Charges Silver account Refused Refund
Hi all I'm having Silver account since 2011 as I was advised that will help me to improve my credit score and get overdraft on the account. Unfortunately this never happened and when miss sold was announced on TV I've contacted Lloyd Bank. They called me today that my claim will be unsuccessful as I claimed my lost phone…
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Ccj- help
I need advice in regards to a CCJ I have seen on my credit file. Around 2 years ago my mums partner bought me a car for my 21st birthday. To cut a long story short when their relationship broke down he started to chase me for a sum of £10,000 that he claims is owed to him to for the car. He wanted to take it to court…
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Charging Orders
I have now decided to sell my property, but there are 3 interim and 1 final charging order against it. How do I find out the value of the debt related to these orders? Any help appreciated!! Thanks
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Previous Address & Electoral Roll
I've just had a look on Experian and it says that I wasn't registered on the Electoral Roll at my previous address, where I lived for 6 months. I was definitely on the electoral roll there, as I applied for a mortgage while living at that address. Recently I haven't been able to take out a new balance transfer card when…
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Rebuilding my credit score whilst having debt
Hello, I've recently been looking into clearing my debts to start rebuilding my credit score as I'm trying to save for a mortgage to buy a house in the next 2-3 years however I have a few questions. I just used noodle and it says I'm credit score is 530, which I know is really low and I expected that as I was silly when I…
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How can you get a credit check on someone?
A cowboy builder owes me money for a bad job he did and various debt collectors are after him, just wondered if i could do a credit check to see if there are any convictions are on his record? and if he could actually pay back anything Its [TEXT REMOVED BY FORUM TEAM] Worthing o:mad:f J francis construction
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Questions about defaults CCJ, credit file and overseas EU creditors.
Hi folks, I have checked credit file and there is 1 default or ccj that is about to expire in 2016. I was thinking to contact creditor and without admiting liability offer some sum to remove it faster. Is this a) technically possible for creditor to ask registers to remove part of account history prior to 6 years? b) it…
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Virgin credit card refusal
Hi, My girlfriend was refused for Virgin credit card so she tried to check her Experian credit report. She could not register with her current address (we live on a university campus) so she registered with her previous address. The old bank accounts registered at her previous address showed up on the report but not her…
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Just who does get to see CRA data?
Last night I watched a TV programme about parents who game the system to try and get their children into the school of their choice. It seemed to me that the local council investigators who try to prevent this heinous crime have access to CRA credit file data about the parents. Anyone else see the programme and come to the…
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Help a newby - please
Hello all, I have had poor credit in the past due to financial circumstances beyond my control (having lost a job and also still trying to support my elderly parents). Spiralled into debt and using cards to get bye until I defaulted on a few of them. Fast forward to now, I am much more secure, have a secure job and also…
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Struggle for compensation over false delinquency on report
Hi guys/gals, I would much appreciate any advice on this problem.. A finance company put a false delinquency on my callcredit report which was on for 2 years (as I didn't know callcredit existed). My Credit rates seemed bad so I investigated. When I discovered this I asked for it to be removed, which it quickly was and my…
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Default in 2012 stopping me from getting a loan?
Evening All, First post here so be nice :D Ok so I'm looking to pursue a career in flying, something I have wanted to do ever since I can remember. Anyway I am now 29 and have saved £15000, unfortunately I was in part time work for some of my 20's Unfortunately a have a default on my credit file for 2012 and of course…
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Poor understanding of my credit file (where am I going wrong?)
Hi folks, I apologise if a similar question has been raised previously! I am seeking some advice, or better yet someone who can dumb down my understanding of a credit report. I've been in constant employment since 2009 (I'm 25), have had car finance, credit cards, phones etc in my name and have all been paid with no…
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Poor credit but no idea why?
Hey guys, I'm a 35 year old guy, employed full-time and have a very good salary. My partner and I are about to apply for a mortgage and so in preparation, I ran an equifax credit report, which I was expecting to be flawless and it was, though my credit score was 365 "poor". I have no current or past CCJ's, I have never…
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Should I wait to apply for student credit card?
I have a default which will be 3 years old in a week or so and have read/heard many things about this but would like clarification if possible. This post caught my attention from an old topic on here https://forums.moneysavingexpert.com/discussion/2561943 Is this actually true/proven? And if so should I wait until the…
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CRAs View on Arrangements to Pay
Do you have an historical Arrangements to Pay (APs) in your financial history, and if so how does your credit file reflect them? Nearly two years ago my OHs bank recalled his overdraft. We couldn't afford £900 a once so he called the bank and they agreed to reduce the overdraft steadily over four months. We (over)paid this…
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Does Name Change Affect Credit?
I recently got married and we are looking to buy a house imminently. I was told that if I started changing my name on my bank accounts, driving licence etc, this could affect my credit score/rating and could have a knock on effect on getting the better deals for mortgages. As we had a house in mind I was happy to wait for…
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Can I erase bad credit score
Hi guys my first post on here so please be gentle and bear with me if I drag on. My wife and I wanted to move our mortgage to our main bank as it's cheaper etc, but after a phone call to see if we qualify in principle we were told there was something on our credit rating that wouldn't allow the bank to offer us a mortgage…
