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Writing to Lloyds re removal of late payment markers caused by charges
Hi, grateful for any advice / experience in this area. I posted about this before but have a clearer picture now as my husband's memory was hazy! My husband went £7 OD on Lloyds current account and paid £10 in to clear it. Later that month he was charged £70 in 'Unplanned Overdraft Charges' and £6 in 'Overdraft Usage…
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Let Property Campaign Affect Credit Score?
Will the following affect my Credit Rating? I am in the process of submitting to the HMRC a Let Property Campaign application, regarding unpaid tax on a rental property that I own over the last 2 tax years. I contacted the HMRC regarding the above and my unpaid tax was not identified via the HMRC contacting me. Although my…
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correcting credit file errors
Hi All Can someone advise me on the best way to correct the details on my credit record? the details held by Equifax in relation to a lloyds TSB account - a credit card - are not correct. Its slightly complicated in that I wrote to Lloyds this summer and requested they remove a minor default (£136) which they very kindly…
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Helllppp
How do you improve a bad credit rating?
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Unauthorised "My Credit Monitor" DD
Hi. Has anyone ever heard of "My Credit Monitor"?? I've been doing alot of online Xmas shopping the last week from a number of different retailers and paid for all transactions using my DD card. I was checking my bank account online on Sunday and noticed 3 payments had been taken by "My Credit Monitor" for 3 different…
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Missed payment - default on file?
Hello, I have a credit card (Amex) and I usually manually make a payment on this monthly. I got an text from Amex today saying I had missed a payment and the a payment was due for the minimum amount. The payment was due 3 days ago so I paid the full balance off today. I've also set up a direct debit so this doesn't happen…
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Can I get a £4 default removed?
We have recently applied for a mortgage and got declined, after checking Experian it turns out I have a default on my file. I ordered some items from Very they wasn't any good so I returned them, I assumed that all the account had been cleared, 2 months later I got a letter saying I had a balance on the account and to pay…
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Unreported and settled accounts on credit reference agency files.
Hi all, Sorry to be so dim but I am slightly confused (again) I have checked with the CRA's as a post BR clear up. I have been doing this for over a year and finally all looking good for the big day 22/12/16 :j However, I have noticed a couple of accounts which are puzzling me..On my Equifax report it shows: 1st. I have a…
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Creditexpert
Hi I've been subscribing to credit expert for last few months as wanted to get a mortgage, (have had offer so all good). However yesterday I noticed my credit score has gone down by nearly 300 and from just about good to in middle of poor! I know people believe credit scores mean nothing but I disagree. I had a mortgage…
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Are more credit accounts better than less
For credit building is it best to have say two credit cards over five? I have five, I do use all five so I can use less on each card and have loads of green dots showing up on my credit report. I did read more cards can sometimes have a negative effect or is that only if you don't use them? I also have for online shopping…
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Address Missing
Hi everyone, i've been having some issues with my credit since I have moved into my new flat over a year ago. when you search for the address on experian & equifax it does not come up!! i'm in a building of flats and out of 9 flats only 2 show. Its not a new build either. I got declined for a balance transfer card a few…
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Experian taking the biscuit
I decided to pay the £2 for the credit file report on Experian to check everything was in order saving the £14.99 monthly fee (I've already used the free trial). I opted for the online version to save time. So I filled in all sorts of personal information, my bank account was immediately debited the £2 and I expected…
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Default question - no update despite settled for 3.5 years
Hi all, I have recently began trying to improve my credit history. It basically went into decline while i was at uni 4-5 years ago. I am now in a stable job, decent income, 1 credit card with regular payments and no issues (apart from 2 defaults in total) I was checking my credit report and noticed a default dating to…
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How Long Current Account Application Take To Show? 2 Weeks & No Noddle Alerts
Another TalkTalk refugee who added free Alerts to my Noddle service... The whole point was that this was supposed to alert us to crooks applying for stuff in our names. Yet two weeks after opening bank accounts (two, with up to four presumably hard searches), I haven't had a peep from Noddle. No emails, no alerts online.…
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Electoral Roll Question
I checked my Experian Credit Report and it shows I am on the electoral roll since a few weeks ago. However - Equifax shows differently that I'm not on the register.. Is it possible for the 2 companies to contradict each other?
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unfair negative score -help
hi hope someone can help im trying to get a mortgage and just spoken to an advisor who recommended i check my credit score (which has always been good) only to find that its now only 617! i had a problem with a well known mobile company and cancelled my contract, after some deliberation they agreed to cancel it (10 months…
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584 credit score...Why?
I have been declined from opening a current account with Santander. However, Lloyds accepted me... So I decided to check my credit score for the first time ever - it is 584 (which is poor). I used noddle free report. I'm really confused about this... I only have one bank account - a halifax student account. However, I have…
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Late payment holding up us buying a house
Hiya We were just about to apply for co-ownership, have our debts down to almost nothing. I had made a (successful) claim against barclays - one of those pay monthly bank accounts, and we were moving stuff out of it and into other accounts. Unfortunately I missed the nursery fees and it bounced. I paid the nursery directly…
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Accidental missed mortgage payment
I missed a mortgage payment by accident. I put funds into the wrong bank account. Once notified I transferred the funds to the correct account and assumed that Nationwide would re-try to take the payment but they didn't. Any ideas on how I could get this off my credit file? Tom
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Noddle - no longer in debt but credit rating has gone down...
Colour me confused.... Recently came to the end of a DMP and got everything paid off. Yay! Checked my Noddle Account today and my credit rating has actually dropped. Booooh!!! Can anyone explain how that works?!!!!
