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Recent CC applications came with High risk APR but also high credit limits?
Hi All. I'm a bit puzzled with some of my recent credit card company decisions and was wondering if some kind of activity on my credit file could be to blame? I tend to overlap two or three 0% credit cards at any one time and have done so for about the last 10 years.When a 0% rate expires I pay off the balance in full,…
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My credit score dropped from 2 to 1 for no reason
Hi, I'm 45 years old I have never been in debt. That's because I have never borrowed money.;) But last year I tried to get satellite TV but was rejected because of my low credit rating. First I had heard of it. So I joined Noddle and discovered my credit score was 1/5. For someone who had never had any debt I was shocked.…
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Rebuilding?
Hi, I've been on a DMP for the last couple of years, and I'm almost at the end. My Noddle report shows that only one creditor, Capital One, has recorded a default although several have noted that I'm on a DMP. Obviously my credit rating is pretty much non existent, but once all the debt is cleared, how long will it take…
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Credit Files, Mobile Phone Contracts and The Consumer Credit Act
Dear fellow MSE forum users, This is my first post please so be gentle with me! I wanted to know if anybody had any dealing or experience with mobile phone companies, and adverse credit reference agency information. My scenario... I took out a service with Vodafone for a sim-only service back in 2011, when this service…
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Credit Report
Ok im abit confused, in the past when I have requested a copy of my credit report it has all my creditors I owe money too, (which is quite a few). Last week I requested a copy from Experian and today received my unique code so logged on and printed it off, im abit confused because my debts have been ongoing, half of the…
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Looking to boost Credit Rating but is my plan solid?
Hi everyone, Long-time lurker, first time poster. Without going into great length, I’ll do my best to keep this as short and sweet as possible. Last year, my number one goal was to clear all debt and save enough money together for an emergency fund’. After a year spent scrimping, I achieved these goals and I’m now in a…
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Mortgage Application Address issue.
Hi There, My girlfriend and I are having a wee problem with our Mortgage Application. We've been asked to provide three years of address history, but for some reason one of her addresses keeps being rejected. We're not sure why. Essentially we need to find out what the address is listed with the credit bureau. We've tried…
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Noddle downgrading in recent months
Hi everyone, I know that the credit rating scores are 'meaningless' and it's up to a lender to determine your risk, but I sign up to Noddle and check monthly how things are looking and make sure things are accurate. When I signed up for Noddle, pre-mortgage, I was rated 5/5 and all looked good. IN the past couple of months…
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Snooping Sneaky Lowells
Hi Can anyone help regarding associated people on credit file. On latest credit file I noticed that I have been listed as an associate of my bruver(!) suggesting we have some connection. I haven't seen him in over 9 yrs and have had no financial dealings with him ever. I now find that I have been linked to him and there…
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Credit rating assistance
Hello, im sure this has been asked many time but i need help with my credit rating. I cant seem to get it to move up. I have one credit card and havent missed any payments including direct debits etc. I have also seen my credit rating go down a tiny bit and can not see any reason why. Looking to see if any tips as i am…
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Hsbc ignore credit rating
I have been a member of HSBC since it was Midland Savers. I have never banked with anyone else for 35 years but enough is enough. I recently found myself in a quandary - To reduce my monthly payments I asked to consolidate my loans. I received a figure that was appealing but they insisted that I returned from overseas to…
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Never missed a payment, but poor credit rating
Hi, I am baffled with my credit rating which currently shows 572 (Poor). I have never missed a payment, defaulted, had court orders....nothing..... yet I have a poor credit rating. I did have £20k of old credit cards and overdrafts which I have closed and eliminated, yet my credit rating went from 586 to 595. I have had a…
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Question about searches
So, I am looking at my credit reports (free ones and stat credit report from experian). I was wondering about the searches, how many is too many, and how long to they effect you for? Ignoring the advice about the impact on my credit score (as I know this is irrelevant), is there a set time when they are no longer seen by…
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Settling non mail order accounts
Hello guys, this "You have no settled non-mail order credit accounts" affecting my credit file. What's the best way to settling this? Thanks for advices
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Credit score jargon and such like
Hi, I am 37 and have never had any credit of any sort or even a basic bank account due to schizophrenia . However touch wood the last 18 months have been great for me, no relapses into hopsitals and am in the process of working with the care team helping people who were in my position and felt they had no way out. Anyway I…
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Will it get better?
Currently owe a final payment on a Santander loan and a couple of hundred on a littlewoods catalogue. Ive applied for car finance and its come in at 49% APR. I knew it would be high so kind of expected it. Next month I'm paying both the Santander loan and the littlewoods off, all gone, will my credit rating get better once…
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Remove credit card check from report
I recently registered with Quidco. I discovered one on their offers was £0 cashback when registering for a Tesco Credit Card. Therefore I decided to go for it. I currently have a Santander credit card with a £0 balance. I attempted to complete the registration process for the Tesco credit card online, however it kept…
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Credit score help
I applied for a loan to consolidate my spending. I was offered it but the catch was that the outgoings i was trying to cut was increased. Oh this is HSBC by the way a bank i have been with for 35 years - nice. The cost 50% of the borrowing - yikes. Why? So I go to Experian to find out my credit score something i have not…
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How long to repair terrible credit rating
Hi By the end if this year I should be debt free for first time in some 10 years. I will then start saving money towards buying a home , and that will take 2 to 3 years. However, my credit rating is terrible. I have defaults and a ccj on there. The ccj will pass the 6 year mark this year so I can have it removed. The…
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Credit Building
Hi, I have recently turned 18 and I am looking for advice on how to build my credit score up? Would taking out a credit building credit card such as with Aqua or Capital One be the best way or would approaching my current bank Nationwide and seeing what they could do for me? Would getting an o/d on my current account be…
