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Credit Rating for Mortgage
My wife and I are hoping to buy our first house later this year. We're trying to make sure that our credit score is in a good shape before then and don't want to damage it too much beforehand! First of all - my wife is planning to change her current account across to a new provider. Attached to the account she has a credit…
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nawtest underwriters
Hi, I am a NatWest customer with current and savings account's with them. I have adverse credit history with a default and some missed payments from my student/first job days 4+ years ago, but have been 'clean' so to speak since then, with regular payments, salary ranging p from £15-£26000 during that time. Have applied…
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Arrears and default
Hi, I recently applied for a mortgage after having an offer accepted on my dream house. Unfortunately mortgage was not granted as a result of the bank looking at my credit history. I thought I had a clean history as I currently have no debts, no overdrafts, clear credit cards and a healthy sum to put down on a house. Well…
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Wrong address and default on crdt file
Hi All , your advice will be highly appreciated . a quick summary of my situation Took loan from the-money-shop in 2013 as a student ,paid back only early days of 2015 due to life troubles..No default notice or any letter recieved throughout this period. Asked for a copy of default from the-money-shop which they sent and i…
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Train fine
I received a fine few years ago as apparently my oyster card had not touched in. I paid a spot on fine and they took my details. What do they use the details for? Is this recorded as crime or civil matter somewhere? If i do subject access request and basic disclosure will it show it if they have recorded anything?
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call credit
HI I have successfully had an old defaulted debt from 2001 taken off my Experian and Equifax file with Intelligent Finance. In fact it was Intelligent Finance who wholly agreed to have it removed. Contacted Callcredit and they have said it will stay on my file as a delinquent debt forever as Intelligent Finance have said…
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Incorrect defaults on credit file
Hi, I wonder if someone can help. I had a credit card account with HSBC with a substantial balance that I got into difficulties with several times a coupld of years ago and defaulted a few months in a row. Eventually I sought help from family and the balance of approx 3.5k was paid in full. I am in a much better place now…
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credit score bands - equivalent for the 3 CRAs?
I know, I know, a lot of you will say these scores are useless but now that they are all free to get, I'm just curious, do you find they actually correlate in your case? These below are the ranges from the 3 CRAs, a friend sent them to me today. For me they do correlate although Noddle/Callcredit is the least generous with…
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Possible scam on credit refusal methinks???
Hi - Want to buy some swimwear via the internet. If I sign up for their personal account I will qualify for 25% discount. I know I have a perfect credit score - Experian rating 999 - the best you can get. The order is accepted but the goods don't arrive when promised. I chase it up with the company who tell me that my…
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utilities and accounts
OK , simple story , receiving benefits (whilst working so applied for united utilities discretionary grant this continued when illness forced me to stop work DWP allowed UU to take direct payment , but due to a change in benefit dates and monies I ended up with a list of default dates on my credit file. I kicked off but…
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CCJ >6 years Resubmitted
Hi All, Apologies if this has been covered elsewhere, I have looked all round but just getting desperate now. I have recently been made aware of a CCJ registered under my name. The debt was with Vanquis for a credit card, approx £1200. I had the card around 2008 and after leaving Uni and for circumstances at the time, the…
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default on credit file
hi all, i have a default on my credit file from 2012. it has been passed onto lowell and i have basically ignored it ever since. this is the only bad mark on my credit file and i really need to sort it out as its affecting my credit score pretty badly. the default is for £629 which will drop off in a couple of years. I'm…
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ClearScore Contact Number
Hi, Does anyone have a contact number for ClearScore? https://www.clearscore.com I cannot locate one on their website and there is only an option to email them. Thanks
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Mortgage sucess stories
Hi all! As someone with credit mishaps trying to apply for a mortgage i thought it would be good to start a thread to share any success stories to help encourage and reassure others in the same situation! Hoping to hear some!
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Phone loan
Hey all Never posted before but was after some advice - I've recently settled a substantial amount of credit as I'm looking to apply for a mortgage in the next year or so - The only credit outstanding at the moment is about £500 on a Credit card and a "phone loan" which is at £630.00 which will be paid off over a few years…
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Electoral roll
I recently moved house and filled in the online request to join the electoral roll of my new local authority. I requested the option of NOT having my details publicly available. On requesting my credit rating through Noddle, I see I have an "average" rating and would like to improve it if possible. I also notice that the…
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Clearing debts from Credit Report
Hi All, In my past I've defaulted and run from debts and bills, I'm almost 32 now and thoroughly ashamed of what happened in my past. I've signed up for Noodle and my credit report is 451 (Which if I understand correctly, actually means very little to any lenders etc) But I'm struggling to get things as simple as sim only…
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defaults
Hi, My credit report is improving each month, but have some old defaults on my account. Ive noticed 2 satisfied defaults have the incorrect name attached, ie, my name is Anthony but they have spelt it antony. Is this enough to appeal to get it removed from my file or am I just being stupid? Thanks for your help.
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Debt to my x-employer
Hi everyone forgive me for not fully understanding some obvious things for UK citizens, although I am not from UK, I was just living there for a bit less than a year, so I do not understand how the debt collectors and credit scores are working exactly. I have left UK last year. I made an agreement with my former employer…
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Strange default (picture included)
Hiya guys, Can anyone shed any light on this default that is on my credit report? I'm paying this off each month, but I'm just confused about the £77 showing as the default amount and the balance being £410. Sorry if I am missing something... Thanks as always, S
