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Banks keeping old records
Hi there Bit of background info to explain my situation. 2005-2007 I was young and foolish and borrowed lots of money from Lloyds TSB and HSBC via overdrafts/loan/credit card. For one reason or another I wasn't able to keep up the payments so stupidly buried my head in the sand and walked away from them for 6-7 years.…
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Just checked my Credit Score/Rating....
Firstly I am soon after a mortgage as a first time buyer....... Just checked my credit rating with Experian: Credit score 999 out of 999. Can't really improve that. Though I didn't expect it to be that high.... I have never taken out credit so there is nothing to say I can pay back credit responsibly (although I know I am…
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How to remedy a CCJ
Hi All I was recently credit checked and informed that I had an outstanding CCJ from June 2010. I had no idea I'd received it and I don't know what it's for. I was threatened with a CCJ for a debt around the time but I paid that debt off in full before it went to court. I've found out through a trust search that it was at…
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3 Searches on a single mortgage application?
I made a mortgage application to Halifax, via a broker, on Monday. Yesterday Halifax agreed to the application subject to a satisfactory valuation, happy days. Anyway today whilst checking my credit file, I notice Halifax have made 3 separate search on my credit report. Is this normal? I was expecting 1 maybe 2. I called…
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change of name and credit file
Hi there, In a nut shell my first name has been printed as my middle name on my official documents, passport and driving licence probably down to me and my father who originally did the forms. I've never challenged to get this pushed as i thought nothing of it so ive stuck with it and thought anything of it. Now on my…
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Payday loan default notice query
Hi, I have asked a payday loan company to remove a default entry on my credit file from a few years ago, they have declined stating it would undermine the quality of their data submission to the CRA. In my complaint to them I stated I never received any default notice in relation to this debt, in their reply they didn't…
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Vanquis Defaults
I have a small settled default from May 2011 which I settled 20 days after it happened. I have one other default which drops off next month and so I decided to write to Vanquis and plead my case to have this removed early as a goodwill gesture, ( I was ill at the time and paid off v quickly). I haven't received a reply and…
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help removing a satisfied default for a credit card
I hope someone can help!... I was refused credit recently, which was strange because I've never had problems before. When I investigated I saw a default for £190 on an old credit card. About 2 years ago I was in a position to pay off all of the 5 credit cards I had and close the accounts. It must have been an oversight…
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Denied current account
Tried to join first direct bank , current account, using on line via money supermarket, Filled in the application During the application i was asked to enter my current account bank details, instead i put in bank details for another bank account which i have in my name, only had this account for a month and never used it I…
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fixing bad credit rating
Hi, im new to this so please ignore my ignorance. i have roughly £5,000 debt that i have been black listed for. i am soon to receive a lump sum and want to pay it off. i then want to buy a house with the rest but will need a small mortgage. is this possible once my debt is paid and i have roughly 75% deposit on a house?…
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How does a car lease appear on credit file?
Hi, My partner is considering leasing a car for 24 months. Does anyone know how this will appear on his credit file? He is looking to pay around £200 for 24 months for a car that costs in the region of 18K. Would the total value of the car (18k) show up on his credit file or would it just be the payments that he has agreed…
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Defaults - so upset and confused
Hello everyone, Happy new year. I went on to a dmp in July 2010. I believed my debts would all default at this point but it appears I could be wrong. I had a credit card with vamquis bank as part of this DMP. I left my DMP a few ,on this early as I had a messy break up there were a couple of months where I couldn't make…
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I accidentallyhave 2 halifax bank accounts but under different names.
I didn't know how to word the subject so apologies if this seems confusing. Basically 5 years ago, I got a credit card with halifax as well as opening a bank account. The thing is, the title on my credit card has mrs rather than the miss that I am so obviously there was a mistake. On top of this, when I opened a bank…
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need loan/credit card/overdraft - unemployed - should have money to pay it back by ma
Hi all, I desperately need a need loan/credit card/overdraft but am currently unemployed, but will have money to pay it back by march. I wouldn't do it if I didn't need too but obviously don't want to go with anyone like a pay day lender. I am unemployed but who might give me a loan/overdraft/ credit card, or will I just…
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Have cash - no credit
Here's a good one. I have cash, but no credit score. I have just come back to UK after 13 years in Australia and having sold a house over there I have cash in the bank. I kept a current account and I have most of the money in there. Problem is that I do not have any kind of credit score here. We've been back for 5 weeks…
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Late Payment Dispute
Hi, I have some late payment markers on my experian credit file from around 4 years ago these seem to have sent the account into deliqant status which is affecting my score. However i dispute that these payment were made late. This account was with a doorstep loan company Greenwoods where they would collect the cash each…
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Late payment marker???
Hi all just wondering if there is anything I can do? I balance transferred to a fluidity card from vanquis in September & set up s/o for monthly payments. In November s/o payment was made on 16th the same day as statement produced so payment was allocated to the previous month. To further compound I was on holiday until…
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Can I repair the damage?
I am on a DMP and have two remaining debts. My current credit score is very poor and I have one default on my file - this debt is now settled. I also have a delinquent account on my file (although I am paying this via the DMP) and another showing missed payments (again I am paying this via the DMP). My financial situation…
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Credit Card, to cancel or not to cancel?
So, further to this slightly whiney post 14 months or so ago: https://forums.moneysavingexpert.com/discussion/5090725 I've been on the 'straight and narrow' credit wise. Anyway, 12 months ago today I accepted a Capital One Classic card, it cost me a £100 security deposit and they gave me a £200 limit - I've paid every…
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Credit Card Eligibility Calculator
Hi I am looking for a 0% CC transfer deal, so applied for an AA Card today, but was rejected. I thought that a tad odd, so I did the CCEC on MSE site, and the result said 'Unfortunately, we have not been able to find your details at the Credit Bureau. Please check and try again.'!! How is this possible? I obviously exist,…
