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Help advice needed
Hi im looking for help need advice as to what my best options are. Iv had a bad year iv ignored all my credit and not paid it stuff like phone bills virgin media littlewoods. Also done same with 2 credit cards totalling up to 5k. Car finace been cancelled with outstanding balance of 7k. Would would be my best options of…
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Credit searches
When you apply for credit and potential creditors look at your credit file can the see who provides credit cards on your file or do they just see credit card, balance and limit?
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Mortgage Application
Hi, I'm about to apply for a mortgage but I've got 5 credit searches under my credit file in the last 6 months - is this okay or to much? Everything else is good.
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Credit Card Balance
I spend approximately £2,000 on my MBNA credit card every month, and pay off my statement balance in full by Direct Debit. Despite this, my credit reports (Noddle, Experian) both show a balance of around £1,200 month after month. This seems to be the balance currently on the card when MBNA report to the CRAs. Is this…
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Credit Report Booster - Swiss National
Hi I am not a UK national, Swiss in fact and I cannot register to vote, thus I cannot be in the electoral roll. My partner is British and he is registered; both of us do have a very good credit record, no loans/outstanding balances, no missed payments, registered for council tax, UK bank accounts, etc. We are looking for…
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Hisatoric Credit Score
Is it possible to see your historic credit score i.e. what it was this time last year on Noddle (https://www.noddle.co.uk) or Clearcore (https://www.clearscore.com)?
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Help Please - Executive Complaint contact - Egg Banking
Hello! I've requested my most recent credit reports since my bankruptcy ended about 6.5 years ago. There were two entries with incorrect dates, one was 1) Egg Banking, and 2) Arrow Global. I asked Experian to disput both the entries because the default date was incorrectly noted for both as September 2011, when in fact it…
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Bank Account not on Credit Report
Hi All, I've been checking my credit history on Noddle and Clear Score and there's no trace of my bank account on there. Everything else shows accurately. I've had the statutory reports from Experian in the past and it didn't show on there either. I've had the bank account for years. Does anyone know why it wouldn't be…
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Is there any hope?
I've posted here before, a while back, about my family. Essentially, I'm estranged from my parents, and my mum has severe debt issues, along with pretty serious MH issues. When I turned 17, I found that my mum had been using a bank account with an overdraft in my name. I visited the local branch that she'd been using, and…
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O2 - Just the Worst Customer Service
Hi Folks Can you offer some advice please, if you can. According to both my equifax/experian records I have an excellent credit score. However O2 recently called me to offer me a 'special deal' and i mentioned i didn't think that would be possible because I had recently changed my contract - but they said my phone number…
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Are ico decision enforceable
How do you go about getting a ico decision enforced, mbna have told me there is nothing new to look at they consider the matter closed,
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What happens past 6 years with debts?
My wife has old debts dating back to 2008 where she had a DMP in place with creditors paying minimal amounts. Wind forward to 2016 and there is nothing on her credit file showing any debts associated to her name. She also had a CCJ with is no longer in existence... None of the creditors have been in contact or chased her…
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Credit check for new job - default!
Hi guys, not sure how articulately I can put this information so hopefully it makes sense. I have an interview coming up for a grad scheme I really want at a major bank, and from what they've intimated to me I have a very good chance of getting it. They want to credit check me, fine, I had a good score though I accepted it…
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credit score going down
i am trying to improve my credit score. i took out an Aqua credit card and paid off the 1st month in full. i have also increased my mortgage payments and now appear on the electoral role. i was shocked today to see that my score has gone down by 40 points. can someone give me some advice please?
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To pay or not to pay?
In the past I had credit cards but following a relationship breakdown I dug my head in the sand and ignored paying back the debts. I am now looking to repair my credit rating and have checked my credit report using noddle and clear score. They have highlighted a credit card debt from 2012. The debt has been sold by credit…
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Equifax - deceitful in cancellation
I truly dislike companies who use deceitful practices to extract money from customers. Equifax is right up there for me. Firstly, I wanted to compare my Equifax report to my Noddle one as I was in process of finalising a mortgage. When you go to the Equifax website to order the £2 statutory report, they make it very clear…
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Glasgow address on credit file
An address in Glasgow frequently appears on my linked addresses. It appears linked to at least accounts, one of which is an old account. O2 refuse to remove it as they say its 'correct'. Lloyd have agreed to remove it as I am a customer with them now. They can't explain why the address is even there. Has anyone had any…
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50% Discount on Equifax Credit Report & Score
I know that there are threads and guides around how these products are available a lot cheaper using the £2 statutory report but I thought I would share this. I just called Equifax to see what is in the statutory report vs the £14.99 plan and found out they are exactly the same - shown in the same format on the same…
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Is it worth reducing balances on cards/accounts?
I am trying to improve my credit rating and have closed a couple of accounts that I no longer use. In regards to the credit cards and accounts I do use, some of them have particularly high credit limits and catalogues such as Next & Very increase the limit every now and again for no reason. I don't need as high of a limit…
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Noddle
I asked this question yesterday: https://forums.moneysavingexpert.com/discussion/5392492 It would be good to have a look at my credit report to get an idea of how it is affecting me. I realize that credit reports are only a guide. ow does it compare to Experian or Equifax? https://www.noddle.co.uk/: Is this service…
