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Does my credit score affect my business partner?
Hi everyone, I'm a newbie so I hope I'm posting this in the correct forum..... I would like to set up a LTD company with a business partner. The problem is I have a CCJ and a default and his credit score is really good. If we registered as co-directors would my credit score affect his? I was offered some advice by someone…
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Have I shot myself in the foot
Hi all So, I recently, applied for several current accounts and a couple of savings accounts, as my plan as to save money into higher interest accounts for a mortgage. I literally did about 4-5 of these in a month. However, a flat came up on the market whch should be affordable if I was to remortgage my current flat, so I…
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Unknown CCJ
Hello, I've really really messed up and I don't know where to turn. I've looked at my credit report tonight and found out a CCJ was registered to months ago to an address I moved out of nearly two years ago. I believe the debt is a credit card that I defaulted on in 2010 and I've now accrued nearly 600 in charges so the…
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Experian "M" marker
I paid off a lot of debt in one go at the start f the year that sat on 4 credit cards. 3 of which the timing of the payment resulted in residual interest in the following statement period and I have just noticed that the interest appears as the last monthly balance before going to nice zero's across the board. Underneath…
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Default clarification needed
I've read so many posts about this but I still cannot figure it out I think I'm just worrying to much but anyhow if anyone could clear it up for me that would be great. I defaulted an account starting sep'09, and on my credit file it continues to show red defaults every month up until march'11 at which point it was…
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Paying off a default after it's dropped off?
I've received an odd letter to my parents address about a debt from a flat I lived in with an ex. It's from a DC and the account in question was about ten years ago so it's not on my credit file (I've checked), and I've also got no idea where in the world my ex is now, should I just ignore it? Is there any sense in paying…
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Overseas Voter
Hello,hopefully someone will be able to answer my question,maybe the Experian Company Rep could advise me. I have been travelling abroad since 2013 at which time i sold up everything to travel( was registered to vote at my last UK address ),i have recently registered to vote as an "overseas voter"online via the GOV website…
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Credit scores and mortgages!
Hi -Can anyone help?? Myself and my husband are hoping to buy a propperty, but we have a hitch. We have a old next account which last year had a few late payments, we have since then had credit cards- which we then took out a loan to pay the credit cards off that we had. We have now paid the full balance in one lump so we…
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How can I find out if someone has a CCJ?
I have a dispute with a workman and have been advised to find out if he has any CCJs. Does anyone know a reputable site online for this? Google brings up a lot of results that look really spammy! Thanks Roberta
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Debt and defaults
Ok so when I was 20 I very stupidly got a credit card after the bank said (it'll be good when you go abroad incase of emergencies). I had never had a credit card before and didn't quite understand the consequences, so quickly I blew the £2500, so the bank then said "its ok, we will transfer that amount onto your loan (a…
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CCJ Impact
Hi there, first time poster here, so if this question has been answered before, I apologise! I have a CCJ on my credit file, which unsurprisingly is in the poor category! In December, it will have been 6 years so it will lift from my file. My question is, what, if any, sort of impact will the CCJ going have on my score?…
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What your credit limit says about your credit score
Hi all, My other half and I both have m&s credit cards - I applied and got mine last year, she applied and got hers about a month ago. However her credit limit is £500 higher than mine. This came as a (pleasant) surprise, I expected she would get a lower credit limit as she hasn't been fully employed in the last 12 months…
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Driving license check and credit rating
Hi all, Can anyone confirm if a Driving License check has any affect on credit score? I'm assuming it's just a check to view endorsements (points) and license type etc? Nothing to do with a credit search etc?
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Can a CCJ be re-added to your credit report when you settle it?
I have an old CCJ that has fallen off my credit report due to it being over 6 years old. I am chipping away at it with £10 a month, and am using a snowball plan to clear off all my little debts, and this one is in that plan and will be cleared around mid next year. I have been reading up on credit reports and improving…
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Removing a default - debt still exists but want to pay it off
Hi All I have two defaults on my credit file and would like to get them both removed. The history. I had a loan with Natwest, for 2 years, which towards the end I renewed and got another 2 year loan. I also had an overdraft with my Natwest account. I decided to change my banking to HSBC, I changed the direct debit for the…
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Advise on credit application
Sorry if I am posting in the wrong place! My husband applied for a loan with our bank about3 months ago in his sole name and it was declined for reason we do not know. We wanting to borrow some money on a secured loan on the house to pay off all cards and loads etc and have some left to sort our garden out. He is worried…
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Bank Removing 'Black Marks' - How Long?
Does anyone have any experience with a bank/lender agreeing to remove historical 'black marks' (such as a late payment, default, or an payment arrangement) from their credit file? How long did it take from the point the bank agreed to the point the file looked clear? Thank you
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Defaulted but now arranging to pay
Hi Guys Been a long time since i was last one here lol. Im hoping you can help me please, ive looked but cant seem to find the answer. I defaulted on a relatively large loan back in 2011 (£7000), then moved home, etc etc and never heard anything from it, until now. I got a letter from 1st credit and i was completely honest…
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Why is my credit rating so bad ?
I only have 1 credit card which I recently opened 3 months ago with aqua. They gave me £300 limit and I use it for rail fares then pay in full. It was at £150 then I paid the full amount off. I have no defaults no ccjs and I'm on the electoral roll for 5 years. It's only 1/5 on noodle. How can I improve it ?
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Can a debt collector add to credit file if original lender never did?
Out of the blue (that's another story all together) a debt collector contacted me regarding an old bill outstanding for some furniture from - this bill was for £500 which I paid. However, I have just noticed that they have registered a default from Feb 2014 for the original balance £853. The original lender (for the the…
