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DMP Remortgage
Hi, I have had a DMP for nearly 2 years a which will end in May 2019. I have a joint mortgage with my partner with Santandar. We are looking to remortgage to reduce our monthly payments and also to be able to finish off essential work to our home. My partner has a high credit rating but obviously as I have a DMP mine is…
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How do I remove CIFAS protective registration ?
Lloyds has registered a CIFAS protective registration in my name and send me a letter saying they've done this to protect me. I don't want CIFAS , They mistook an application I made for a fraudulent one . Now Im scared to go apply elsewhere in person even because of this CIFAS. How do I get this removed , Where do I write…
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Default Notice Letter
Hi, my car insurance was due to renew on the 18th January - Last year I initially paid via Direct Debit, then after a month or so paid the rest of the year off. This time I wanted to pay monthly and they said they would use the same account details as previous, however somewhere down the line the Direct Debit was cancelled…
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Noddle unreliable kif not dangerous
I have just spent the ;last couple of days checking my credit score with Equifax, Experian and Noddle. Noddle gives me the lowest score possible while Experian gives the highest score possible, with Equifax in the top third ratings. I also have a friend who checked with Noddle and he too has the lowest rating again not…
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Finance Car not on credit file
Hi all Was looking for a bit of advice on why my car that I have on finance is not on my experian credit file. As I have also been looking at giving the car back to the finance company due to needing a bigger car, will this affect my credit score as it is not showing on my credit report. Thanks Jess
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Pre-approved on MSE site for credit card but declined??
Hi everyone! I have been trying to build my credit score for a number of years. I have a "good" rating with Experian, last time I missed a payment (by only once month) was in July, prior to that there was no record of a missed payment. I am using 70% of my available credit. I wanted to get a balance transfer card (my…
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Best way to report missed payments on credit card
My credit card company messed up my direct debit; so the account was defaulted, they agreed it was their fault and said that they've corrected it but it's still causing me problems (I asked an account that had reduced my card limit to increase it and it needed to go to an underwriter and loads of questions followed, even…
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Should my car lease be on my credit report?
Morning all, I've had a car lease with Toyota Contract hire for the past 3 years but it doesn't show up on my credit report? I've paid on time every month without fail but wondered if this was the norm as they don't consider it to be credit such as a PCP deal etc. Thanks, James
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Unknown debt on credit report
Hi, Not sure if this is the right place to get help but... Basically, my partner and I currently rent a property and are considering looking into a mortgage; so we both decided to check our credit scores to see how we could improve them. I understand mine, however, my partner has never had credit.. A loan, credit card…
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How to remove someone linked to your credit file.
Evening All :o I am sure this has been asked many, many times before; but could someone tell me how to get my dear ex removed from my credit file. I would not like him to be impacted on financially. I recently checked my file on Noddle and noticed he was still linked with me. Poor chap. Additionally I have been paying £10…
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Building credit history: Cashplus Creditbuilder?
Hi everyone, being a EU national who moved in the UK less than two years ago, I'm finding somewhat difficult to build a decent credit score. Noddle and Experian both show a below-average score, the main cause of which should be my limited history and young age of my credit accounts, since I only have a credit card with a…
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Noddle
Hi I have discovered a free credit score website run by CallCredit called NODDLE.CO.UK - It was super easy to sign up... Is this website any good and reliable?!
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Bonusbond gift card (=Mastercard debit card) - impact on credit rating?
Hi, I recently got a letter from E.ON, encouraging me to exchange my E.ON Reward Points to either Tesco Clubcard points or Bonusbond gift vouchers, before they expire. I called E.ON to exchange my points. Although I had not heard about Bonusbond before, I went for this option since every 500 E.ON Reward Points = £5 in high…
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Confused and Cross!
Hello everybody, I'm a little bewildered with my credit scores on both Equifax and Credit Expert and wondering whether anyone can shed any light on this for me? I am a homeowner, have been on the electoral register for the last 10 years. I have a credit limit of about £10,000 in total and am using about £2,500 of this. I…
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Balance transfers
Hey, I need help i recently applied for a barclaycard to transfer my balances because of my interest every month of 50pounds on my halifax card i have other credit cards two natwest halifax and and marks and spencer credit card i wanted to transfer 4.000 from my halifax to the barclaycard and put the wrong information on…
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Unhelpful credit reference agencies
So having recently discovered that my passport and some other I.D documents were missing I today tried to call the credit reference agencies to discuss my options. Well what a farce that turned out to be, finding a phone number was dam near impossible and when I did manage to get to speak to someone they were only…
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Switching banks and credit rating
Hi there, I'm new to the forum so please be gentle and bear with me. I switched to Santander in January 2015 after banking with Barclays for about 12 years with no benefits. Then Santander increased their 123 account fees so closed my credit card account and switched my current account to Halifax in October 2015 since I…
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name change and credit reports
Hi i changed my name last year by deed poll but when i ask for a copy of my credit report my names are not linked i eiiher get my old name with credit history or my new name with limited credit history. my question is how do i get them to come together. i have informed everyone about name change so thought i would be…
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credit isn't bulding
hi i need some advice. i had a default on my phone contract when i was 18... now 26 its still affecting my score? i have a captal one credit card with £600 on with a £800 limt always pay more ever month never missed a payment. also have two car cars on a flex car plan with halifax never missed. also own 3 houses out right.…
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Should i remove an unused credit card?
Just seen that there is a credit card on my file that has 0 balance on it as iv'e not used it in years. Should i contact the company and close the account or just leave it ? Cheers
