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Financial Disassociation
Hi there, I hope someone can help me... The house I owed with my ex boyfriend has recently been sold 04/12/15. I finally got him removed from my bank account last year also. Do I have to apply for financial disassociation on my credit file or will this be updated automatically eventually? I've read I have to apply to 3…
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Is this cap-quest default correct?
Hi, I was hoping to get some advice from those of you more knowledgeable than myself! My husband and I are hoping to,buy a new home this year so to prepare iv obtained a copy of my credit file from experian. On it I have found a default from a company called cap quest on an otherwise perfect report. On further…
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Dmp and credit scores.
I have been paying a DMP for 2 years all I jow have left is a credit card of £750. If I now came out of this DMP and started making the right repayments and on time(which hasn't happened on my DMP) would my credit score go up and in next 6 mnth enable me to borrow on the equity in my house.
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Default
Happy New Year! I lost my job and defaulted with EE in '12. Can I get a mortgage? I am thinking of getting a credit card to rebuild my credit rating. Is there any point with the default? Other info : default was settled.
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Increased threat of DCA contacting me?
Hi there, Just having a little noisy on this section of the forum and realised that ive registered for noddle and clearscore in the last few weeks, so im guessing im going to get harrsed from DCA? My details haven't changed but on my credit card online and eligibility checkers i did put in my landline number which i do not…
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2010 missed payments
Hi, I have multiple defaults dropping off my credit file over the next few months :T However, the two accounts that didn't default will still be there and they contain many missed payments. These are from 2010. Will these missed payments from 2010 have much of an impact on securing a mortgage with high street banks &…
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CCJ help please
Good evening all. I have lurked through these forums for years and years and in the process have managed to get myself all the way up to an Amex gold card and car finance ! So thanks. Now I require a bit help; I'll detail the situation below:- My experian and Equifax credit files do not show the CCJ, only call credit does.…
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Greetings! My name is DoctorLove and on this occasion I'm looking for your advice...
Hi there, So I have just joined this site after many a year sitting in the wings waiting to pounce and after quite a struggle I have finally rid myself of all of my debt! I'm 39 (40 in April this year) and my confession is that in the last 15 years I have been an idiot with my money: 2005 - Declared bankrupt with debts of…
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Paying partially loan - credit score impact
Hi, Happy new year to everyone. I hae used a BarclaysLoan, preselected offer, to borrow 4k to buy a car, however now I only need only 1k. How will affect my credit score if I decide to make an early payment of the 3k (the penalty is only 30 days interest of the amount I paying). FYI: I could manage to payoff the whole…
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Full and final settlements?
in the hope of advice. I have about £4500 of debt spread over about 7 debtors. I never want a credit card or anything again myself and my new partners income is ridiculously low so we are good at now living within our budget . however I would like to one day in years to come be able to consider buying a house and getting a…
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credit rating has crashed down to 52!
Hi everyone. I am a self employed builder. I have recently nearly come to breaking point after I was asked to take on a rather large job. I looked at my finances before doing it and made a mis calculation. So had to use a credit account at my builders merchants. Anyway the customer has sold the house and done a runner with…
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Improving Credit Score
Hi all and Happy New Year!! My fiancee has recently done a credit report in light of us applying for a mortgage however we were surprised to find out that her credit score is "very poor". Using something called Noddle, she has a credit rating of 1/5 and a score of about 540 points. My fiancee has a credit card which she…
