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Clearing default
Hello all, I've got a default on my file due to me being utterly stupid over a year ago and neglecting an overdraft. Since then I have been paying it off as much as I can per month, but in a couple of months I'm going to have the money to be able to clear it. Do you think it would be possible to contact them and tell them…
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Mortgage Credit Checks
Morning All, could anyone confirm or not whether the credit check list on the website is correct. As in when applying for a mortgage with HSBC they would only check the Experian CRA ? Thanks ! Chris
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Reducing credit offer limit
Hi my question is, having had my credit limit upped frequently by Littlewoods catalogue the amount now £3200, having joined them 3 yrs ago only buying essentials eg, washing machine, fridge packed up - basically emergency use only , having been such a good customer never paying minimum usually paying £100+ back monthly,…
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22 and need some advice about future
I'm 22 and have recently switched banks. 10 years with previous bank. I didn't know that switching bank would affect your credit rating, how badly does it affect it? I'm planning for the future and need some advice to help my credit rating I've never had an overdraft should I get one? What else can I do to boost my credit…
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Default I wasn't aware of?
I'm looking to apply for a mortgage in the near future, so I requested experian's report so I could check it, expecting it to be fine, but it's revealed a £56 default in August 2013 with Virgin Media from when I was living in a student house. I moved out in Dec 2012 on bad terms with my housemates, I'm sure I called them…
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are these default dates correct?
Hello.. just after some advice/ help.. I have recently checked my equifax credit file & found 3 defaults off Lowell Group DCA. They are very low amounts So i paid them straight away (£171, £185 & £30).. the part im unsure about is why the defaults were recorded along time after the Start date? Heres what my credit file…
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Virgin mobile multiple errors led to too many credit checks
At the weekend my smart phone broke ...cue a visit to a virgin media shop on Monday(1st shop didnt have the phone i wanted, second one was called and reserved said phone) I went into shop, phone was brought out (with a tablet, old deal but still have stock so will throw it in). The sales guy went through all the checks,…
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Free Experian Credit Score - Barclaycard
Hi all Logged into my Barclaycard account and received a message to say that I could acces my Experian report for free being a Barclaycard customer. Anyone aware/used this?
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Default Date and payments on account
I had an old natwest overdraft that due to a number of reasons (yadda yadda, pay day loan spiral, any money that went in was taken straight back out so head in sand etc.) I ignored it and left it with the intention of defaulting. This was around 2012. As far as I'm aware it should have defaulted within a few months,…
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Can lenders consult other credit reference agencies without declaration?
My question is concerning limited information/missing accounts on certain credit files. Thanks.
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Past coming to haunt me again !
I'm totally in shock at the letter I received the other day. I used to bank with Barclays over 5 years ago. However I stopped and moved to Nationwide. So when I received a letter from Barclays I was surprised. Opened it up to a letter saying that I need to basically sort out the balance as its overdrawn. After 5 years of…
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Default on Credit file different to Debt Collection agency
Hi, I have a default on my credit file for £300 from an 02 contract last year, Lowell financial have sent letters looking saying I owe £700, anyone any advice on how I can deal with Lowell on this?
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2nd Card on one account to help son
I have a credit card account that has two cards, one for my wife and the other for me. Our son is struggling to establish a rating that will let him get his own card. He has a spotless credit record but has been refused cards and a mortgage. Long story... Anyway, would transferring one of the named cards into his name help…
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Can't seem to improve score
Hi, I have been trying to gradually improve my credit score for the past few years. I have a few credit accounts (my energy, phone bill, a Next account, a credit card and my bank accounts) which are all paid every month with no problems, and never taken up to the limits. However I have just checked my score for the first…
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Opening many current accounts in short periond
Hello, I have decided to go after the bonus many banks offer for switching a current account to them. However, i am aware that this means many credit checks in short period of time i.e. lower credit score. What i could not find is for how long do these checks stay on your record? And just so that i don't open another…
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credit file default ?
hi :j my husband and I have been checking our credit scores on Experian website today and we have found something we don't think is right. an account with studio a few years ago defaulted, and they sold it to moor croft. we paid the balance off about a year ago , so no longer owe any money. however, the morcroft account on…
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Mortgage refused due to error - quick steps
Hi everyone, I would really appreciate any advice or to hear about what happened in similar situations. I am applying for a buy to let mortgage and heard today that my application with Santander had been turned down due to a bad credit check. I checked my credit file and the only problem was a missed payment from May for a…
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Old Accounts on Credit File
Hi all, I check my Noddle credit report just to see what's what and I've noticed there's a record on there which was last updated 12/2015 for T-Mobile (brought to you by EE) which was opened in 2006. I have no doubt that this was me as I used to have a T-Mobile phone contract but I haven't used T-Mobile in a good 3 - 4…
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Car Lease declined
Hey Guys, just looking for some advice. I was just recently declined for a car lease which was to my surprise, the finance lender in question I was told used Experian to judge whether to accept me or not so I had a look at my score and it was in the fair catergory with 844. 40 odd shy of good which is what the finance…
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Credit report
What doe "V" mean on a credit report?
