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Need help sorting out my credit file!
Hi, New to this forum please dont judge! Looking for advice really. To cut a long story short got stuck with around 15 credit accounts 3 of which are ccjs and 12 defaults all around 4 years old. Mainly from a past relationship. I appreciate its my fault and i got myself into this mess but just at my wits end. Im obviousley…
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incorrect default date on file
Hello I hope someone can help me. I recently returned to work late last year after I lost my business, health, house you name it in the crash in 2008. I am now trying to get my credit file back on track and today i joined equifax to view my credit report. I have 2 items on file. 1. A credit card from amex . it started on…
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Bank A/c Numbers on Credit Report
I signed up to CreditScore (well, it's free) and when checking the details of the current accounts, I spotted that the last 4 digits of account number that they display on 3 of the 10 current accounts do not match the actual last 4 digits of my account numbers. Everything else is correct, date account opened, name, address…
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Equifax problem
Hi all On checking my report I noticed that it was showing that I had lived at my current address for 0 years, which is incorrect. I rang them and they told me that it was an error that only affected the display and that if I applied for credit it would come back as 9 years which is the correct term. So I decided to do the…
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Credit Report Factors
Hi folks Checkmyfile score - 790 Experian Score - 590 Apologies for the long thread - Looked at the experian score and found out the negative attributes. I have no defaults, no ccj's, registered on the electoral roll etc. 1) 11 non mortgage accounts - negative 2) high credit utilization - negative 3) Non mortgage credit -…
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Advise Regarding CCJ Needed
Hi Guys! I need a bit of advise. This morning two people came to my door and hand-delivered court papers for a debt that I absolutely forgot I had. They had been writing to a different address number '3' rather than '32'. This is the address they had the CCJ enforced upon. I have no issue with paying the debt - I owe it…
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Credit File doesn't include linked addresses/accounts
I recently had cause to check my credit report(s) and I have a question I’d like to ask the forum relating to my rating, which is quite good as it stands, but could maybe be better. I’ve lived in rented accommodation as a private tenant where the utilities, phone line and council tax are all in my name and paid up on time…
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Unplanned Overdraft
Hello, I accidentally went into an unplanned overdraft by under £10. I paid it off as soon as I realized and the bank have confirmed I won't get any charges because I'm in my buffer. Will this effect/affect my credit rating?
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Late axa insurance payment - has it had an impact on my credit score!?
Hi all, A few weeks ago I cancelled my car insurance with Axa. They mentioned I would have to pay a cancellation fee (around £40) for cancelling my policy early which I paid. I thought that was then the end of it. On Friday I received an answerphone message from Axa asking me to ring them. I assumed it was for some sort of…
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Credit card application rejected...confused!
Hi, I tried to apply for a Halifax credit card on Sunday. Noticed an offer that with Christmas coming up appealed to me. The application came back declined which confused me. I only have one credit card and that's almost paid off. Been at my address for eight years and my job for eleven. Living within my means! I got a…
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Help needed
Hi there newbie alert so sorry if this is in wrong place My credit report is showing a default from Vodafone from a contract I had years ago that was cleared by a Scottish trust deed that I have been released from. The trust deed was completed in September of last year and it's not been deleted from my credit report…
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Capital One Default removed....New Cabot letter!
Hi All Sorry if this has been covered, I searched and found many similar threads but all a little different. I had an dispute with Capital One re repayments many years ago which ended in a default being recorded on my file on 31/01/2010. This is the only the only Negative factor on my credit reports from Credit Expert,…
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British Gas Default
hi there, looking for some advice, i moved in with my girlfriend recently, and when going over her credit file, we have noticed 2 x defaults from British Gas, *****i was with edf energy and they never reported to my credit file, ***** I didn't think this could be done, is there any way this can be removed?
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Paying Off Old Debt & CCJ Drop Off
I have just returned from living abroad and done a credit check which showed up a 1/5 credit rating all for some very small debts totalling less than 3k. I also have a CCJ which is due to drop off later in the year. I have requested documentation from the companies who are owed funds and will pay the debt as soon as they…
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OUSBA Default notice Challenge
Hi, I am in the process of challenging OUSBA on the default notice that they issued to me. They served the DN on the 4th July 2014 which was a Friday. The date for remedy contained within the DN was the 18th July. Given service rules under CCA 74, I am assuming the correct date for remedy would therefore be the 22 July or…
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Equifax alerts a scam?
A couple of months ago I took out the free 1 months trial of Equifax credit report. I checked it and everything was fine as expected. No defaults, all credit up to date, no late payments, nothing and my credit score was good ( about 437 according to them). I rang and cancelled my subscription before the trial finished and…
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credit rating after credit card settlement help
I was unemployed and unable to keep up credit card repayment with creation credit card, I contacted them and arranged to pay £20 per month, my friend offered to help and asked creation of they would accept £1850 instead of £3000 I owed, they agreed and the letter I have off them says the have taken it is a loss and won't…
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CCJ Details
I recently checked my details on Noddle and it is showing a CCJ registered against me in the month of June 2014, which I wasn't aware of! However, it only states a register number for the CCJ and the amount I owe. How can I get more details about this? Thank You.
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Close cleared account?
Hi I'm looking for advice on whether to close my credit card account or not. I'm about to make the final payment an I have a credit limit on this account of £9000. I've not got a sparkling credit rating (not from missed payments or anything) but I think because I have no bills on my file, all bills, mortgage and even the…
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Closing Credit Card soon after opening
I applied for 3 credit cards just to build my credit rating 4 months ago. I wanted 1 visa and 1 mastercard. I didn't actually think i was accepted for the 3rd until it came in the post. I want to close one of them as i don't need 3 and have never even used them. I just want them to sit there and build up my history. Does…
