-
Good credit score?
what is the lowest credit score that would be classed as acceptable? i have never bought anything on credit, never had a credit card and never had a loan. i have however, always paid bills when they are due and have never had any debt. this leads me to believe that my credit score won't be fantastic. i'm just curious as to…
-
Co-op says basic account shows as negative on credit file?!
I got a call from Co-op asking if I'd like to upgrade my basic account to a free current account. I asked why as it's not my everyday account and she said it's because it's shown on your credit file as 'basic' and lenders know this means 'debt problems'. Is this true? I haven't looked at my reports in a couple of months…
-
Overdraft request rejected - does this affect my Credit Rating
All, As the title suggested I recently attempted to take out an overdraft on my current account and I was refused. Will this impact my credit score negatively? Thanks.
-
Missing creditors who are on DMP but not on credit file
Hi I have been in a DMP with stepchange since 2009, in for the long haul. However I know that over the past few years I have significantly reduce my debts and am committed to doing so completely. I checked my credit file today as was curious to know when defaults will come off my file and noticed that there are two…
-
Does SIM-only deal count towards credit score?
Hi, I'm sorry for opening this thread but I can't find information online. I was going to get a mobile contract to build credit history but I really don't need it so I had a look at SIM only deals but I'm not sure if that counts towards credit rating or not? EDIT: And also does the payment amount matter? £35 vs £8.
-
new phone contract reduced credit score
I signed up with Clearscore last month, and was happy to find i had a reasonable credit score. I paid off my contract with O2 (early) and signed up to a new deal with EE. However, my credit rating dropped massively and said 'there are more than a few credit applications this year' EE shows up as two hard searched plus one…
-
How bad are hard checks on credit rating
Just wondering if anyone knows how detrimental hard credit checks are to a credit file. Last month I applied for a purchase mortgage and buy to let re-mortgage, both NatWest. Purchase approved and I have the offer. Buy to let was undervalued, so I couldn't continue (too much of a short fall). I tried another lender, who…
-
can i lock my credit file in the UK?
an hours googling the title didnt come up with an recent information for the UK, I heard Leo Laporte from TWIT talk about this in the US the other day and thought "what a great idea". Does anyone know if/how this can be achieved in the UK? TIA iamlearning
-
Partially completed card application - will it affect my credit rating?
I recently applied for a Post Office credit card with the intention to transfer money from another credit card. I applied online and I'd got as far as being told I was eligible for the card and how much my credit limit would be, when my brower decided to shut down and my laptop went into a mini-meltdown. I thought (apart…
-
Compensation for default wrongly applied to account for five years
Hi everyone, Hopefully someone can help me! Over the past five years I have been declined for loans and credit even though I thought my credit rating was reasonably ok - my Experian didn’t have anything other than a couple of missed payments when I was a student so I just put it down to being a result of these. I have…
-
Credit card not showing on credit file?
Hi, i took out a vanquis card a few months ago and have been using it and paying it off but is doesn't show on my credit report? I don't see a credit search from vanquis either, i thought that they were meant to credit search you? When will it show up, any ideas? I need something to make my 3 defaults look a bit better…
-
Dad's mortgage
Hi folks, when being rejected for a mortgage recently I found 2 errors on my credit file. Let's deal with the easiest one first. 12 Years ago my parents took out a mortgage with Nationwide to buy my current house. Unfortunately, my name is similar to my dad's (first and middle named switched around) so his mortgage…
-
Lloyds late payments show on Equifax, not on Experian?
Hello, apologies if the answer is on the site already, I can't find it! Have posted about my husband's bad score before - I know the score isn't actually important, but to give some indication, I checked with Equifax, Noddle and ClearScore last month and the score was very poor (334) mainly due to a Lloyds current acc,…
-
Vodafone have really stitched me up!
I have recently applied for a loan to further my studies but have declined due Vodafones stupidity. Checked my credit score and found nearly four missed payment marks yet knowing I have NEVER missed a payment. I called them and I've spoken to three different advisors this week all saying the same thing "we've checked your…
-
CCJ-legal aid fees
Ladies and gents after a bit of advice please. I was involved in a criminal court case and applied for legal aid. I was accepted but asked to contribute 1200 a month which I simply couldn't afford so argued the case. I didn't pay anything while above was on going and next thing I receive a CCJ. I therefore agree to pay a…
-
Switching Current Account
Sorry if this has been posted before. Looking at changing my current account, and i was interested what footprint this would leave on my credit score / rating. I will be closing my current account (an account I've had since birth) to receive a switching bonus. I understand being loyal to a bank does look good, but does it…
-
Mortgage arrangement
Hi there. About 5 months ago my mortgage came out of its fixed rate and onto a much higher deal. The house was going through a sale and I could only pay the existing amount, which was 'arranged' in advance with the bank. This would have been fine but the sale fell through as the buyer backed out. For one month as the sale…
-
British Gas payments on credit file
Hi. I've limited credit history consisting of a 26 month old CCJ which I aim to resolve and three open lines of credit totalling £479, all utilities. As a result my score is 'very poor'. Two of the credit accounts are B.G, one for gas and one for electric. They're not outstanding. I've applied to have my account switched…
-
Post IVA clean up
Having had all my paperwork through after completing my IVA:jj i have checked my credit files on experian and equifax and sure enough most entries have dropped off. 2 are however showing defaults after my original IVA start date 1 with Halifax 1 year after and another with ee 2 years after. As these were both part of the…
-
How long after mortgage offer can I apply for credit?
Hey all, I've been reading about stoozing and high interest bank account switching deals for a few months now but since I've been going through the process of applying for a mortgage I've been reluctant to dive in. My mortgage has now 'gone to offer' and I will be exchanging the house deposit very soon. However the house…
