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CCJ issued to a previous address to the address of the debt
Hi all I have a difficult situation going on with our friends at Severn Trent Water. In 2011 we move out if a 6 month rental and in all honesty, didn't give any outstanding utilities any further thought as our letting agent was to forward these on to our new address. In 2013 we were contacted by a debt collection agency…
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Credit Rating super poor! not sure why!
I have a CCJ from 4 years ago, but other than that everything is green. I have a few missed or late payments but i always sort them out within days, and one on going dispute with O2 on my account. It was going up but since all things have halted with the O2 payments whilst they investigate it my credit rating is going…
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How long/best and worst
Hi everyone I couldn't find a thread on this so thought I would post one I'm just wondering which credit check website (to view my credit report) is the best? All I keep seeing are bad reviews on Experian and Equifax. People saying that they still charge after cancelling etc... Also how long is it before debt is written…
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How much is too much?
How many accounts is too many? How much debt it too much? I have three credit cards. One with £4500 with balance of £2200 (0% offer), one with £9500 limit with £6000 balance (0% offer) and one with £7500 limit with £3500 (6.9% Apr). I have a salary of £22500 and £38k remaining balance on mortgage. No loans or car finance…
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Ex wife defaulted on Joint mortgage
Okay first post and its a little complex (well who said life was easy ;-) ) About 3 years ago I (by chance) found out that my ex wife had repeatedly missed mortgage payments, we had a sealed court order as part of our divorce which stated she could have sole use of the property as long as she kept up the mortgage payments;…
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Mother obtained credit in child's (minor's) name.
My nephew has recently turned 17, and has just found letters regarding unpaid credit in his name. These have been taken out by his mother who has deserted him and moved away, basically ignoring all the debt she has run up (which I suspect she'll have zero intention of repaying). My nephew is quite rightly concerned and…
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Is my mother ruining my ability to remortgage?
I am looking to remortgage, mostly for debt consolidation. The new mortgage would mean I would be committed to paying out several hundred pounds less per month than I do now (and have been doing so for the last five years) but three lenders have already turned me down on 'affordability' grounds. So I thought I'd see if a…
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Post DAS credit file advice
My DAS is complete :j Had a look at my Credit File on Experian and all but 3 of my delinquent files have gone. 2 of my debts seem to have been sold onto Arrow Global Ltd. Both these accounts were in default so I expect that they will remain on my file until the defaults expire Jan 16 & June 16. Both these accounts also…
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Do credit reference agency have a duty of care?
3 years ago I moved house and used the Royal Mail redirect service, which appears to be the route of my problems, as soon after I started to receive letters in my name from debt collection agencies about debts I know nothing about. At first I contacted them and set the record straight, but the letters kept coming as the…
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Credit Report: Missing accounts
Hi, I have signed up for the free credit reports from Noddle and ClearScore but neither show my current account and credit card account from the 70s. I understand why but am not sure if I should request that these be added in. The same is true of my mortgage history although these are now paid off. The only negative point…
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Who does HSBC Report to?
I have a Noddle account and my HSBC data is very out of date, i.e. Mortgage, loan and credit card information. Last updated 30.09.2015, had my new report a couple of days ago. I spoke with HSBC a couple of weeks ago and they assured me that they send details to the CRA monthly, so I wondered if HSBC perhaps does not update…
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Repayment Conduct assessment
Hi Ive just checked my credit score with equifax and its all fine Its a score of 566 which is considered excellent Ive not missed a payment for 60 months, and never missed then it was just a few days late No defaults etc Anyway it stated that my Repayment Conduct assessment is considered poor! What is this? And why would…
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can disputed utility bill affect my rating?
-issue solved-
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Missed payment query
Hi guys, sorry for the dumb question but I had a missed payment on my Cap1 account (now closed) back in May this year. Out of my own stupidity. My last missed payment since then was back in 2010. How long before that missed payment is considered irrelevant? All my other accounts are up to date and never missed a payment.…
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Experian Data
Hello I applied for some bank accounts and I didn't use exact addresses and dates I lived there, to avoid having to submit documentation etc, which I don't have. Is there anything bad with it? Also, I think now that Experian has information that is false, is there a way to fix this? thanks!
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Credit scoring and credit card use
Hi all, just wondered if anyone on here could help me please. I have checked my credit score on checkmyfile as I am planning to apply for a mortgage and I am a bit confused, not sure where I stand with the points, if I am in a good position or bad and what are the maximum point you can get. This is what I got USING DATA…
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MSE News: Barclaycard and Tesco Bank customers given free access to credit scores
Barclaycard customers can access their credit scores for free via Experian, while Tesco Bank's teamed up with Noddle... Read the full story: Barclaycard and Tesco Bank customers given free access to credit scores Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all…
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Credit Reports - Card History
Hello, Does a credit report show you all your current credit cards and the balance. Also will it show any cards that you still have an account for but not used for a number of years? Thanks
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MSE News: Experian shakes up how it calculates credit scores: what it means
Experian has shaken up the way it calculates people's credit scores meaning many suddenly dropped or increased... Read the full story: Experian shakes up how it calculates credit scores: what it means Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read…
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Improve Credit rating
I have 3 credit cards which all have a large balance on them, I always pay min monthly payment on time and extra if I have it available, but I have a lump sum of money in which I could pay a balance off, is it best to pay off one balance in full and close credit card to improve credit rating or spread it across 3 cards, I…
