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What is a default sum? And does it go on my credit file?
I went over my credit limit on my Barclaycard. I've been issued with a £12 default sum? I'm not sure what this means? Will it go on my credit file?
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Electoral Register - Household Enquiry Form
This is only tangentially related to Credit File and Ratings but I can't find anywhere better to put it: Got your HEF yet? Mine's addressed to "The Occupier" and is accompanied by the usual threat of fines, so beloved by our inglorious local government jerks. But who are they threatening to fine, and just whose…
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Bad credit and debt + PPI
I've a few questions regarding my credit and debt that I've been trying to sort over the last five years without getting very far... though all my frequent defaulting ended well over 6 years ago. I'm a 34 yo student and will start full time work in one year. I've managed to get over £4000 on two separate high interest…
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Sunpower 3.27 solar panel system
Looking to put a solar panel system on my roof but only have space for 10 panels, I've had a Few quotes but I'm interests in the sunpower system which I've been quoted £5300 fully fitted with geo 2 monitor is this a good price??
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natwest and credit report there fault
hello I need some advice please,well I am my brothers appointee for his disability benefits etc he gets his money paid into my nat west account.He had back money of £2500 paid in stated in a dwp letter sent to my home address,he needed white goods for his new home so asked me to withdraw it all.The banker just paid me the…
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closed credit agreements.
On viewing my credit score today i have noticed that some of my outstanding debts are showing as closed. What does this mean? do i still have to pay my closed financial agreements. Thanks for anyone that can help
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How long does it take to recover from a Very Poor credit score?
Due to years of compulsive gambling I built up debt nearing £20k, much of it at very high interest rates. About 18 months ago I registered with Step Change and entered a debt management plan with all of my creditors. The DMP resulted in 5 defaults (although I'm disputing one of these) and several late & under payments. I…
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FYI. Credit ratings only go back 6 years!
I wanted to discover whether I had PPI due back from a 2004/7 loan. Signed up with Equifax for £2 only to be told they and all the others like them can only go back 6 yrs under data protection blah blah blah. Not good. Now trying to get my £2 refund. Also this does not entitle you to know your credit score either. You have…
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Out of date credit report
I settled a loan with Lloyds in the first week of July but on checking Noodle this morning it is still outstanding on my credit file! All other Lloyds accounts show as correct and being updated on 31st July but the loan that's been paid hasn't been updated since 30th June! Is this normal??
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Callcredit showing status as "default" when I settled 5 years ago!
I missed payments on a Halifax credit card in 2010, about 6 in total, the debt I owed was £2700 and I partially settled with a lump sum in July 2010- however the "status" of this account is still showing up as "default" on creditcall and the account balance says £583??! The last status on there is August 2010 which says…
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Loan companys mistake may affect my credit - not sure what to do....
Hi I'm sorry in advance, this is quite a long story.... So, about 7 years ago I took out a loan with Halifax along with (you guessed it) PPI! I bought the PPI because I thought that it would improve my chances of being approved. Last year I reclaimed the PPI on the basis that they told me that I would be more likely to be…
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Equifax has linked me to my brother-in-law?
Applying for a mortgage in the next couple of weeks, so just going through all three of my reports to check I've got all my ducks in a row... And notice that right down the bottom of my Equifax report, they have me financially linked to my brother-in-law! My husband's home address (his parent's house) is a linked address…
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£2 online purchase of report
Just a quick question, is this given instantly online or do they have to post it? Thanks
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Credit rating of a non Uk national
My friend is Hungarian and I have recently purchased a house and asked whether she would consider renting my spare room. She says she would love to but she needs to build a credit rating and her bank in the UK told her moving again (she has moved 3 times to different rental rooms) would affect it negatively. Does anyone…
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Default showing as current and settled
The wife on her credit file has a default showing.... However the same account shows in the settled section of the report.....? Would this be right? Default was placed in Dec 2010
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£200 Default showing. No sign of account?
My credit file is still showing £200 that I owed to barclays about 2 years ago. I paid this off through a debt collection agency. Called up barclays and they can't find my account. They say there is nothing they can do without a sort code and account number, but I destroyed this card years ago. They are telling me to get…
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Tesco Mobile Contract Not On Credit File
My dad has a Tesco Mobile Contract, which he's had and paid by direct debit for over 2 years. It is a SIM Only Contract and is only £7.50 per month. A recent check on his credit file with Experian and it is not showing up. I would have thought mobile contracts would show, no question asked. Whom would I need to write to at…
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Sky Credit check
I am waiting for completion on a house with a mortgage offer confirmed. Question now is do Sky do credit checks specifically hard foot prints, thereby impacting on my credit file for mortgage purposes. I want to order SKY before I move in next week.
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rating - confused/irritated
Circs - employed - aged 39, home owner - no mortage. So, in short, in late 2007 I was left with a approximately £37,000 debt from an ex. I struggled to repay, so repaymen schemes were set up with a Debt Advice Charity and all 6 debtors(creditors?) agreed and accept these repayment amounts. ALWAYS met the agreed repayment,…
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Joint Mortgage not showing on credit file
Hello, I have a quick question about my partners credit file. We are waiting to get a security pin from experian but looking at her Noodle account we cant see her current joint mortgage with her ex listed on there? I have had a look at linked accounts and again still nothing showing there. They purchased there property in…
