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Paid off loan not showing on credit file.
Hi, A couple of years ago I took out a £5000 loan to buy a car. Last month I sold the car and paid off the loan with the proceeds (slightly over £3000). My intention is to take out another loan, which I applied for today, but I got rejected. I've just checked my credit file ( I know I should have done this first!) and the…
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Credit Rating bad luck?
Okay so firstly, I'm 20-years-old and I want to boost my credit score. The only proper loan I've ever taken out is a "peer2peer" of £250 but I'll be paying that off completely at the end of the year (I've never missed a payment). However, this hasn't shown up on CreditExpert and I was wondering will it show up only when…
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Can you have too much available credit?
Is it possible to have too much available credit? The reason I ask is that Virgin Money have written to me to say that they have reviewed my account and want to increase my credit limit by £4k to £10,300. The balance on this card is currently £760 which is also 0% as part of a BT. I have one other credit card with…
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Default question
Hi, Partner has a default from when her ex-husband went bankrupt, thus putting the overdraft (he took out) on their joint account into default status. Have been paying various DCAs £5 a month for a while now, it's approaching six years and a DCA agent said to my partner once its passed six years she doesn't have to pay…
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Default dropped off and rating did too
Can someone give me some advise please? I've been trying to clean up my files for over a year now after having been very reckless with a few credit agreements and not realising the impact on my rating. Long story short- a default dropped off my record this week and due to the age of it actually lowered my score! I have…
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Negotiating removal of defaults?
Hi everyone, I'm looking for a bit of advice... Whilst at uni I got really stupid with credit and long story short ended up in a Debt Management Plan. This started 2 years ago and as usual with these things nearly all of my accounts have defaulted. I've worked really hard to sort my finances out and learned to look after…
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Multiple House Numbers - Can't be found?
Hi All, Having a few issues with soft searches on Zopa and MSE. I can't even find my records with Clearscore. I'm not sure if it's linked to multiple house numbers my current address. For example, my address reads: Flat 15, 10A Fake Street Oxford OX10 2AB Do you think this may be a factor or not? I managed to get the MSE…
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Got a notice on my credit file, Gone Away, stating I had moved and had not notified
United Utilities, put a gone away notice on my file, for a bill I did not pay at my old address. stating I had moved and not gave a forwarding address. When in fact, as soon as I moved the estate agents who run this property, told them I was the new tenant in this apartment. Which can be proven as I moved in December 2014…
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Marking as Default as "Satisifed"... timescale?
Hi As part of a mortgage application my broker has spotted a default of £3.85 from BT. Yesterday I paid this in full with Past Due Credit Solutions, who assured me that they inform BT accounts daily of settled accounts. How long would it take for BT to inform Equifax that the debt is satisfied? I asked Equifax for advice…
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Credit Score on Purchased Debt after 6 years reporting with original lender
Hi, I am at a loss to understand the credit report in the situation where a lender has purchased a debt. I had a debt from a COOP bank card. This was reported as 6 months arears. It was part of my DMP. Five years into the DMP COOP gave me a default notice which I contested and won my case. The following year (Year 6) the…
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Should i be worried about this search
Hello I was just checking my files and on the Experian statutory report it say i have this search MEDIA INGENUITY (HD DECISIONS) 20/07/15 CREDIT CARD QUOTATION There are 2 of these and a Clearscore one also for a credit card quotation. I havent applied for a credit card for a long time Should i be worried about it? Thankyou
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Expired and Satisfied CCJ's
Hi there, I have an expired and satisfied CCJ for £1600. It was satisfied in 2011 and expired earlier this year. I have been saving for years and now have enough to put a deposit down. I have had an in principle mortgage offer too. My credit score is 990 out of 999. My question and worry is what if they ask the question…
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same details on differen files?
Hi, I got refused for a credit card a couple of months back, however it doesn't show up on my equifax report. I would like to see if it is on my experian report however i used their free trial a couple of years ago for our mortgage application and so now they want to charge me £14.99 to sign up again which i refuse to pay.…
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Arranged Payment vs. Default
Hi, To start off, I am in a DMP with step-change. I became ill, lost my job and moved back in with parents. Starting the DMP put my credit card into default and my overdraft into arranged payments. Now my credit file shows AR and Late Payments up to 6 months on my former current account. I know defaults are removed after 6…
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Private car parking
Hi, a while back I got a car parking fine, from my place of work (a hospital) for parking in the wrong place. I ignored this and subsequent letters, thinking as discussed on this forum, they couldn't do anything and had no real rights. I then got a letter from a debt recovery agency, I sent them the letter downloaded and…
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credit limit affecting my credit score
My credit score was in fair for almost six months and showed no signs of improving or decreasing. It just sat there at the same score. So I followed some advice and took out a credit card to try and improve this. I was offered a limit of £1,200 but was adamant I didn't need that much and told them I didn't want a limit of…
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Natwest - Hard searched credit File without authorisation
Hi I have been in contact with Natwest for the past hour and a half and best they can say it 56 days complaints. Basically on 30/09/2015 i logged into internet banking, saw it said "good news your v.likely to be accepted for £1,800 overdraft" so clicked on it and it said we need to do a credit search, and some other info,…
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Paying a partially satisfied full and final settlment to remove partial flag
Hi I owed £1072, and in May 2014 I agreed to pay £772 in full and final settlement this brought the balance to zero but meant i had a flag of partially satisfied. At the time I didnt really care I just wanted all my debt gone, however I am not trying to get a mortgage and been told the partial aspect of that may affect it,…
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SKODA/VW Car Lease issue - Late Payment?
Hello guys, I was wondering if anybody could help me with my current situation if possible? In February me and my partner wanted to get a new family car. We owned the current one outright but wanted something new and more reliable. We looked at various finance and leasing offers and settled on one with SKODA. Everything…
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Credit File CCJ
Hello, I have a CCJ showing on my credit file from May 2014. The CCJ relates to personal claim for a car accident which I was not involved in. Last year I received a court letter saying a claim had been registered against me for a car accident which occurred in my street. I was not involved in the said car accident and the…
