-
Advice about default
Hi all, I have been looking on the forum for a few hours now and have gained much advice, however i still feel as though i need a bit more of your great advice/guidance. I feel a bit stupid tbh that this has happened as iv always paid on time. I was brought up that if i cant afford it, i don't get it! It was only a few…
-
Question for anyone who has switched from T-Mobile to EE...
Hi guys, just have a question for anyone who has ever switched from T-Mobile to EE. On my credit report, I have had my T-Mobile account for "6+ Years" and it reflects positively towards my "average account age". My question is, if I make the switch to EE, will they make a new entry into my credit file as "EE" and settle my…
-
How soon after default removal can I apply for credit.
So my credit file is due to be squeaky clean come 7 days time, this is the date in which a 6 year old default is due to be removed. I have seen a house I like and have postponed applying for mortgages etc until this date. How soon after can I start applying for credit? I am eager to do it ASAP as this house has offers…
-
Best way to repair my rating
Hi all After spending the last 5 years paying of a huge amount of debt, I am in the final straight. I want to start to repair my credit rating and wanted a bit of advice on the best way forward. I have four credit cards (balances listed below with limits) Tesco 0 /1800 Capital one 0/1000 First direct 0/500 Nat West…
-
Anyone had probs callcredit £2stat report
Hi can anyone help. Three weeks ago sent off for all three Stat reports from experian equifax callcredit. Received experian equifax few days later. Still waiting for callcredit to reply. Anyone recently Applied to callcredit for a £2 stat report if so have you got it? Just sent off for another in case got lost in post lol.
-
Experian is useless
Hey, So today I paid £14.99 for Experian, went in and I have 4 accounts!!! This is so wrong I have way more than this, my credit card isnt on, my overdraft, my catalogue nothing except 4 old phone contracts(not even my current phone contract). This is ridiculous. I dont understand why this is happened. Im soooo upset that…
-
late payment on credit file caused by DWP
just spotted a funny thing on Clearscore I am on long term disability due to an accident at work , this has been going on for over 3 yrs. when I was first signed off , and put on the basic sickness system , I struggled with bills. United Utilities (water) jumped in and got a automatic deduction (continuous) , been like…
-
Which Credit Report is accurate?
Hi folks, I've been filling out a money plan which obviously included listing all my debts. I was using my noodle credit report for the details of debts I have ( I have quite a few). I then went to clearscore to fill in any that were not on my noddle report, but a lot of debts on my clearscore are showing as closed. Any…
-
Refused loan/car on finance and instalment payments
I'm confused as to why this is happening. I have a credit card which I pay back in full every month if I use it. I have never been overdrawn, except with my student overdraft, which was cleared 4 years ago. Up until two months ago, I had regular income and will again in September. I have four direct debits going out every…
-
Advice on File
ive got one bad report on my file but i dont know how serious this will be when applying for a mortgage 1 had Late Payments in 2009 up to 5mnths late from 2010 - 2012 i was in an agreement to pay from 2012-2013 i met every payment on time and settled in 2013 Any advice please
-
Credit report says settled but Three still asking for cash
I cancelled my Three contract when it expired earlier this year. I made a final payment and then cancelled my direct debit with them. Since then they've sent letters asking for 23.10 and they cannot explain to me what the charge is for and I no longer have access to my bills as they converted my account to PAYG. My credit…
-
Credit report decrease because of credit card
So I have been struggling with getting credit as I am only 19 and I made too many tries for credit as soon as I turned 18, where my credit account was not set up so I was rejected. A few months ago after keeping a careful eye on my credit report, all of the searches were gone off my file, so I applied for a credit card…
-
HSBC Current Account - DMP
Hi Me and the wife was in a DMP with Stepchange in 2010 and upon checking our credit file with Experian, HSBC current account was defaulted on a date of Oct 2013! Since 2010 we have never had any 'rejections' from any creditors and we have never missed any DMP payments. The DMP is now complete and only HSBC are the only…
-
Egg Debt - CCA Request
Hello All, So back in 2004 I took out an Egg credit card, around 2007 I got into some problems. It was passed on to DCA who I started to pay for set amount each month, and pretty much paid this without fail for 7 years or so. So fast forward to today. It has dropped off my credit file, and I did some quick maths and think…
-
So have Carphone Warehouse been storing CRA data in clear text & put '000s at risk
I don't see any mention of the Carphone Warehouse / Talk Talk / Talkmobile / mobiles.co.uk lash up here yet? Hint: It isn't so much a Telecoms issue as a CRA issue, and now those of us who have ever been a customer are having to try to bolt down hatches knowing that the horse already bolted but not knowing who might now…
-
Natwest is closing my 3 accounts without a justified reason!!
Hello, I hope I am in the right forum to discuss my issue! I have had a Natwest bank account which was temporarily blocked on 22 July. after calling the bank they told me they are doing some investigations on a transfer that was made to my account in June by my sister from Afghanistan. I initially agreed because there was…
-
Good credit score, no credit card. Worth getting?
Hi all, I've recently checked my credit rating with checkmyfile and Experian. Both have shown very good scores (almost perfect on Experian and around 800 on checkmyfile). I have not had a credit card in the past and I am wondering whether this would be beneficial. I am likely to be applying for a mortgage within the next 5…
-
Addresses:
What previous addresses do i need to put on my credit files when putting the information in, do you still have to put addresses you have lived at if you wasn't on the electoral roll there or paid any bills there, do you only put 6 years previous?.
-
Late Payment - Lloyds - Ruined Credit Rating
Hi All, Absolutley fuming about this! I switched my bank account from Lloyds to Nationwide in November last year using the switch service. I had an overdraft of £150 at the time and paid in some extra money into the Lloyds account to clear it before the switch. A couple of weeks later I received a letter from the Lloyds…
-
Will my 123 credit balance shiw on my credit file?
Hi, I know that current accounts show on your credit file, but does anyone know if the credit balance is shown please? I don't have an overdraft on the account, so will it just be reported as zero? I'm thinking of transferring some money into the account to take advantage of the decent interest, but not keen on anyone who…
