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How to get credit ?
My daughter has had a mobile phone for a few years now, originally via me as a guarantor, even though she was making the monthly payments. Now she has become of age and would like to take over the contract under her own name. Which we tried with Vodafone , Vodafone checks came back she couldn't as she had bad credit, she…
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Next Defaults
Hi,I'm just checking my credit score with Expirian,and apart from a few searches at once its pretty clean,except 4 month late yellow bubbles for a Next directory account,that I barely use?And when used have either paid straight up or returned the item for a refund? I've written to Next for an explanation but wanted to get…
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Landlord has received a CCJ
Hi there, Long time reader first time poster :D Recently my landlord was issued a CCJ at the address my girlfriend and I are renting (though a separate letting agency). I'd like to know if anyone can confirm if this will or will not affect our credit rating. Most people seem to ~know~ bad credit ratings go onto the…
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Address issues on credit file (or not?)
Hi all, I've moved house, and my new address is on the fringe of 2 towns. The local Council use one town on my address for electoral matters, but Royal Mail (and most financial institutions) use the other (larger) town. Should I change all of them to match my electoral roll entry? OR do credit checks and searches/files…
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Halifax Clarity Application Rejected
I've just made an application for a Halifax Clarity card and was fairly surprised that I was rejected. My Noddle score is 4/5. I have one other credit card and the limit has recently been increased by the provider to £2,700 from £1,200, but this does not yet show on Noddle. I am a private renter and have lived at this…
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Complaints to ICO & FOS
Hi, I have a couple of defaults on my account that have been recorded incorrectly (Lloyds and MBNA) - they are both currently looking into the issue after I phoned them to escalate after they didn't respond to my letter. I have done a lot of research on this forum as to what to do if they refuse to amend the date and I…
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Clearscore
I signed up to cleasrscore so i can check my credit report. I have a very low score to be honest. But on checking my closed credits i noticed that there are some accounts still on my credit file going back to feb 2009. I thought that any accounts would be removed from my credit report after 6 years. So my question is, why…
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how long
are old addresses kept by CRA ? and available to be viewed by lenders/companies most companies ask for your old addresses in the last "x" yrs , however , noodle (if not others) show addresses well exceeding most companies requirements ,
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Nat West, Old Defaulted account back on credit report,Second time!!!!
So just checked my credit files after an alert and Nat West have reported an old defaulted account again,second month in a row,after initial expiry at the end of August. After last months reappearance they pledged it would never happen again . I bank with Lloyd's and for the second month running have received feeds from…
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Scottish Power Default
Hello, I've just looked at my credit file for the first time and there's a default on there from Scottish Power for £117 dating back to 2011. This was when I switched supplier to Npower. I have been at the same address for the past four years and have not received any bills or letters stating that the account was in…
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Paying back debt - defaults and AP
Hi there, I failed to manage payments with two credit cards in early summer 2012. I made an 'arrangement to pay' with both by August 2012 and am now in a position to pay them back. I've checked my credit record and one of the lenders - Capital One - put a default on my account after 3 failed payments. Looks like I caught…
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Defaults what date to go off + mortgage advice
Hello I've worked really hard paying off debts yay to me. Just rang a mortgage advisor to book appt to look at if we could get a mortgage we have £6500 deposit just applying for right to acquire house approx worth £90000 with discount . Again this is all approx so depending on final no.s may be a 5% or 10% and due to…
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should I close some credit cards?
Hi, I'm due to remortgage next year and trying to improve my credit rating (whatever that is). I'm trying to clear debts as much as I can by then (hope my cc debt won't be higher than 5K at the time of remortgage), but at the same time perhaps closing some credit cards (or even reduce ovedraft limits on bank accounts would…
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Should I close a store credit account?
I recently finally paid off a credit account I had with an online retailer. My credit limit on the account is currently £1,600 - I don't plan on using the account again due to the high interest and pretty poor quality of their clothes but I would like some advice on what to now do with the account. Will it be better for my…
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Defaults on Credit Report Issue
Hi there, I'll try and keep this as short as I can. I got granted a Debt Relief order last year which ended in April this year which clears any debts with the companies which were part of the order. However, I've looked on my credit score and 1 or 2 of the creditors are still putting each month as defaulted, even though…
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Free Noddle Alerts
If you quote the code TT231 at the check out you will get free Noddle Alerts for 12 months. :D
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Well where is the information??
Hi All I lodged a dispute with Clearscore as it had an account showing as open which is in fact closed. I received an email which supposedly has their response but there is nothing there and as it is an automated email, I can't respond. This is the email received in its entirety. Any suggestions: IMPORTANT This is an…
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Incorrect defaults and missed payments?
Hi I'm new to this site. So nice to meet you all :) Back in 2012 my husband and I came into financial difficulties. We set up a dmp and payment was agreed with the creditors and received from dec 2012. Only two payments we're missed to these creditors whilst it was being set up October and November 2012. Upon recently…
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Vodafone have searched my credit file
HI I've just had a look at my latest credit report and i have noticed that Vodafone have checked my file three times this year. Next to the entry it states 'anti ML' or words to that affect. Why would they do this? I am a long standing customer of Vodafone with no defaults on my account. It concerns me that they carry out…
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can't access credit report
Hi all, I've decided I needed to see my credit report as I need to start getting my life back on track. I first applied via noodle as they are free, however after going through the verification process they said one of the answers I provided were incorrect (I'm fairly sure it wasn't but they currently aren't open for me to…
