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Misled by a dentist- Affect on credit rating?
I went to my registered dentist a couple of weeks ago, got a check up, polish etc and asked about cosmetic work and a price etc. On the way home from my dentist I spotted another one around the corner, I walked in and asked if I could speak to someone about cosmetic work, they said they would get a dentist to speak to me…
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Using Noddle is it good?
I see Noddle offer free for life credit reports, if i joined it would be mainly to keep a eye out if anything dodgy is going on. Do they show as much/less info compared to paying others like experian etc. Does free = less in noddles case? So is it worth signing up.
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Got. CCJ 5yrs ago. Can i open M+S free gift card account
Hi got ccj 5 years ago following job loss. Would banks offer me account which gives free offers such as the m and s one which gives a gift voucher? Cheers, john
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Part way through loan application - no longer needed
Hi, I have excellent credit and want to keep it. My bank offered me £25k, which I arranged prior to buying a car. The dealer finance offer gives me a better total cost, so I don't need the loan but I don't want the cancellation on my part to leave an odd history on my file, an application but noit a completion. Do I cancel…
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Overlimit on statement date but green light on credit file?
So I stupidly went over my balance on statement date with Barclaycard due to interest. Anyway they refunded the £12 fee and told me it would be reported on my file, but said it 'wouldn't be negative as the payment wasn't missed?!' now on my file it simply shows the over limit balance (basically the £12 fee) but it's a…
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Are Harrington Brooks actually paying?
Hi all, My partner set up an agreement in December 2013 after getting into financial hardship following a break-up. It appears she was mis-sold this as she believed it was a one off £95 fee for an IVA, rather than a new finance agreement, but that's a separate issue. She gets monthly statements from Harrington brooks…
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ccj in my name but its not mine
hi all looking for some help i looked at my credit report and have seen that i have a ccj and 2 debts that i don't no anything about in nottingham and a address link as well and i have never been there let alone lived there. how do i go about removing them from my report thanks for the help
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VODAFONE - Terrible CS, unfair credit score - cant get Mortgage due to this-help!
[FONT="]I need some adivce on how to get VODAFONE to correct a bill - I have been waiting 9 months and have got nowhere with Customer Service. I am shocked how bad this is and it has really dented my confidence in VODAFONE. I have been a loyal customer for years, but if this is not resolved i am going to change mobile…
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1st time credit refused?
My son age 19 applied for his first ever contract phone a week after he started his first job. He has never applied for any kind of credit previous to this and unfortunately his application was declined. Is it because he had only just started work? How do we find out why it was declined? Thanks
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Experian changed how they score you
I discovered a few days ago that Experian have changed the way in which they credit score you. Imagine my horror that I went from having an excellent score to a poor score overnight with nothing changing on my records. Anyone else have this problem?
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How posting JPEG etc to a post
Does anyone know how I would put a screen shot that is saved as a small JPEG into the body of a thread? Thanks.
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Any ideas? about to scream and feel very down now.
As mentioned previously I have a settled mortgage account that is reported on equifax as AP in March 2010 until April 2013 then states up to date in May then settled in June. No arrangement to pay was put in place, and I was bankrupt in 2009. The account had defaulted prior to the BR and afterwards, in fact they issued…
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Credit alert checks on experian
Just had an e-mail from Experian saying there has been 9 searches on my credit report all on the 1/11/15.These all seem to be from insurance companies,i have no idea why these are there,as i have had no recent dealings with any insurance companies.Any shed any light on this? thanks Scott
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Back in the game
After a long hard slog clearing my debts via DMP ive now been accepted for a mainstream credit card. now I really don't want to be getting into the same mess again but really want to build a good credit profile again for future mortgage etc. So my question is does it really matter how much your spending on your card if…
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Should i reduce my overdraft?
Hi, Im after a bit of advice on how my credit file might be effected / viewed by lenders. Ive had a £1000 OD with Halifax for, well about 8 years. I took the decision to reduce it a bit every month. It now stands at £400. I am out of the red and in the black. This is the first time ive been in the black for a whole month…
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Advice On A Default?
Hi all. Thanks for reading, I am currently going for a mortgage but there is a default that is going to effect me that I have off Lowells from an old phone contact I thought was taken care of. I went away travelling for 3 years in Australia and had a international payment going into my account at home, or so I thought. It…
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Advice re a default that wasn't mine, please!
Hi MSE members, I - like many - am having trouble with Lowell and would appreciate some advice. In mid October I received two similar pairs of letters, each envelope contained a covering letter from Buchanan Clark and Wells stating that "Arvato Financial Solutions trading as Buchanan Clark & Wells sold your Provident…
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Close credit card acccount ?
I have 2 credit cards at the moment 1 from creation and 1 from capital one Capital's used to be good cause of the cashback, but now they dont offer anything, so i am only using creation credit card Is it better (for credit rating) to close my capital one account or leave as a source of history
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Is this statement correct?
I have a settled mortgage account for a previous address. I now live elsewhere and on checking my CR I noticed that they had marked the settled account against my new address, which in fact is my partners address and I have no financial connection to it whatsoever. I was a bit confused and raised a question with Equifax…
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Arrangement to Pay (AP) query.
Does an arrangement to Pay marker act the same as a default? I have an AP marker on my CRF (Equifax) for a mortgage, this was settled in full after the sale of the property. Issue becomes more complicated in that 3yrs prior to the sale and after the AP marker was put on the file i was made bankrupt. This is not showing as…
