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Turned down for current account
Hi, so a bit of background first. Due to illness around five years ago I was unable to work and as a result have four defaults on my credit record. My Noodle Credit score is 545. I have roughly 1.5 years until all the defaults pass the six year mark. Since that period of illness I have kept up to date on my other payments…
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MoneyTransfers on CC's affect score?
The mrs seems to think it is looked at unfavourably on your score if you money transfer on a card, is there any truth behind it? I am considering getting one of the 0% ones so I can buy a new motorbike. I did already apply for a 0% spending card which was accepted and i now have the forms to sign but I only just noticed…
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money transfers to current account = cash advance?
Hi, are money transfers to current accounts seen as cash advances, on credit history? Do they hurt credit rating? Thanks!
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Credit Score Good, but can't even get a business account opened!?
Hello Friends I took out an Experian Statutory Credit Report for £2 to see what terrible things I've done. Only bad thing I was able to find was some missed payments / going over my assigned overdraft limit from 49 to 60 months ago. Two transgressions to be precise. For fun, I also took out an Noddle Free Credit report and…
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No credit score - car leasing
Hi, I wonder if someone could give me some advice please. I have just checked with the 3 main credit companies and 2 of them do not have a credit file for me, I'm still waiting to hear back from Experian. I work full time and have a moderate income with a decent amount of disposable income per month. My house is attached…
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British Gas Default (Wrong details)..Advice PLEASE..
Hi Everyone, Recently I applied for a personal loan from Santander and was rejected by their automated system. After looking at my credit reports I found out on one of them (]CallCredit) British Gas had put default against one of my old account (6 years old), which was quite shocking for me as I left that house in 2010…
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Credit score repair after IVA
Hi all I've successfully completed my IVA last month and on the letter was stated I have to contact Callcredit (Noodle), Equifax and Experian as 3 main credit score agy after a battle with all of them, my IVA was removed now and the only problematic account is my Nationwide credit card as the default date is wrong (sent…
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Equifax & Amex
Hi, I recently signed up for ClearScore which I understand uses Equifax. For some reason my Amex charge card just seems to show £0 balance and £0 payments for the whole history of the card compared to my Noddle report which shows correct balances and payments. Does Amex not report balances and payments to Equifax or…
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Halifax account default
Hello all, I am a bit of a nooby so go gently! I had a Halifax current account that got apssed to a debt collector about 5 years ago, they passed it back to the Halifax and then they passed it out again and then it got passed back to Halifax again. They passed it to First credit finance a few months ago. Anyway to cut a…
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How long until I look good to lenders
I know it may be hard to answer this question but I could just use some general figures if possible. I have only just started to build credit. Prior to 6 months ago I didn't even have a bank account on my credit report. I currently have a Barclaycard initial and a capital one 4 months old each that I pay off in full each…
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Confused on default info
Hi.. I'm in the process of trying to improve my credit but have a default on my credit file.. The first default was in June 2013 but the defaults continued until March 2015.. I cleared the debt and the account was satisfied since March 2015 Will the 6 years rule start from the first default In June 13 or March 15???!!!!…
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ID fraud, phone contracts and Credit ratings
Long story short, I was a victim of ID fraud late last year - 4 mobile phone contracts obtained with my details on the same day. Resolved now with all phone providers (appalling service from all of them, bar Vodafone who were for once actually very competent). Carphone warehouse was a different matter all together. Ended…
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Retired and can't get credit score
I'm a bit shocked: I did the soft credit check through the MSE website. It has come back that I am only eligible for card for low credit rating people. I know my credit score is better than that. We have had a mortgage and credit card for many years and have never defaulted. The only thing I can think of is that now I'm…
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NPower
Hi, does anyone know if NPower (Gas & Electricity) report monthly to Noddle (Call Credit), like BG do? Thanks
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When will my credit card help?
Hello everyone, I've had a credit card from Vanquis with a limit of £250 for a few months now and I've been using approximately roughly £70-£120 of it every month and paying my balance in full. How long do I need to keep this up for in order for it to help me build a good credit history so I can apply for a better credit…
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Can't even get a sim only contract with a 999 score
Hi all, Could someone give me some insight into this. Vodafone have recently rejected my application to get a 12 month sim only contract. This is the most annoying thing in the world because: I have a 999/999 score. Always repaid my credit cards on time, never missed any payments. The negative on my credit score is: "The…
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Experian - Serious Problem
I moved home in November and registered with my local Council to be entered onto their Electoral Roll. I received a letter from them stating that I'd be on the Electoral Roll under my new address from the 1st January 2016. At the beginning of February an entry appeared on my Equifax credit file showing me registered on the…
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i cant get a credit report?
can anyone help me with some advice please, i went online and done a credit check with two separate companies and both came back and said i didn't have enough information or credit to give me a report and suggested that i build it up by getting a mobile phone on contract i tried this and i got declined due to my credit…
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Advice needed to repair credit! (trust deed)
Im into the final year of my protected scottish trust deed. I checked my clearscore credit report and i was 208/700 which i knew i was going to be poor after starting the journey to repair my credit through trust deed. I recently got accepted for a Vanquis creditcard with £500 limit which i spent around £215 and paid it…
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Debt Payment Plan (scotland) - Terms and conditions
Hi there, Apologies if that has been posted before, new to the forum and couldnt see any previous posts. Due to money issues, in February 2010 I entered into a Debt Payment Plan(scotland) which was accepted by all my creditors. Since then, back in October 2015, I paid this DPP off early in full to all creditors. I have…
