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credit rating
Do online applications for loans affect my credit rating?
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Credit History Not Showing
Am looking for a bit of advice. I moved to the UK in 2013 from a different country in the EU. Work full time and earn a reasonable amount of money I rented a house when I moved here and took out a car loan and an arranged overdraft. I had a decent credit history accorded to experion at the time I recently (just before…
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Request to Very to reduce Credit Limit
Hi I've emailed Very three times and spoken on Chat to get them to reduce my credit limit and they haven't done it. Is there anything I can write to them to make them do it? Janine
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Add all addresses?
Should everyone tell credit agencies all addresses they have lived at, or not? Credit agencies seem very keen to ask for previously lived at addresses and that it really helps you if you do. I have been told by an advisor that I should add all addresses as if I do not list the addresses then I can not see all my credit…
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Cancelling Experian CreditExpert
I’ve had a subscription with Experian Credit Expert for a few years, and have been meaning to cancel it for a while as it was definitely not worth £9.99 a month to me, or of any benefit. They obviously don’t make it easy to cancel. I did call once and after being put on hold for several minutes while the CSR “checked the…
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Credit check (??)
An agency I work for is now requesting my "credit check". They are American so I do not know what they mean by that. I had heard of "credit reports" which I suppose is the same thing. Reading an article in this site it would seem your "credit score" is an ongoing report for which you have to pay every month. Basically I'd…
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O2 Refusing to remove default on my credit file
I'd be super grateful to anyone that can help. I have a settled o2 default on my credit file dating back to 2012. Its for £230 which was settled in 2012. The debt was paid but the default is still showing on my credit report albeit settled.I found a template letter on here and edited it filling in my information and sent…
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Help needed with ?wrong listing from bank account
Hi everyone, Im after a bit of advice please. This is my first post so I hope its in the right place. I previously had a loan with Natwest. In 2012 I took a 3 month repayment break as I was on maternity leave. This was agreed with Natwest at the time. When my repayments started they were slightly less than I had been…
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Simply frustrated...
Hi. I don't even know where to start. I've been with the same bank, lived at the same address and been employed by the same company roughly for the same amount of time which is around 5 years and in that time I've had finance for a couple of things with no issue, some of which were paid off before the allotted time frame…
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Moved House - Bills - Opened New Credit Accounts
Good Afternoon, I am just posting to query if something is right. We have just moved house and have moved our British Gas (gas & electric combined) account with us. Since the move my credit report has shown 2 new/young credit accounts (one for gas and one for electric) which are dramatically reducing my credit score. I…
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Debt Management Plan
Hi, I have been in a DMP since my divorce back in 2011. I have £2500 left to pay on it and estimate finishing Jan 2017. These debts are showing as default on my credit file. My DMP is with Payplan. I phoned them asking if I could make a full and final settlement offer to the 4 creditors of £1500. The person told me that…
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I Live at Two Addresses
Hi All, I live Monday-Friday with my Girlfriend in a Rented Apartment, but I recently bought a property which my Mom and Sister now live in. I live at the Owned Property address on Weekends/Holidays etc. So at my rented address I have registered all my usual bank account with all my bills and car finance, insurance etc, as…
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Black horse default
For the last 4 years i have been trying to sort out my credit score, i have just two years to go before my Black horse default has gone, i clicked onto my report today and noticed my score had gone up, and my Black horse default is no longer on my report, I'm bit confused why it has gone!
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Noddle Financial Account Info Changed
I've just checked a recent noddle credit report and suddenly i have a 5/5 rating and score is right up ( before you start I know these mean nothing) from low and 1/5, which prompted me to look into the account information. 3 defaults have just vanished, one pay day loan, a natwest overdraft, and natwest credit card. None…
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MKDP LLP default on Credit Score
Hi all, Hoping for some advice... I have a 'default' on my credit score from MKDP LLP... dated from end of 2011. The debt it is from is an old credit card opened in 2001 - no payments or dialog had with the credit card company for over 6 years... MKDP LLP has obviously bought the debt (nearly £2k) but they have no record…
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Struggling with credit, advice needed
Hi all Newbie to posting here so my apologies if this isn't in the right place, but I'll get straight to my problems. Firstly, I have a CCJ on my credit file caused by my long-term partner (hidden from me) for £250, it's being paid off, but it's annoyed me because it's only now become apparent via the CCJ appearing on my…
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Credit file & electoral register issues
I've over the past 6 months now and again applied for a credit card, both times flatly refused. Anyway turns out my electoral register isn't present at all on my credit rating, despite updating Mcr City council. for some reason they've failed to update the credit referencing agencies!?!?!? On Noddle my report is 3/5 and a…
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Can 0% spending credit card affect your credit score
Can 0% spending credit card affect your credit score if you have a credit card that has 0% spending for "24" months and you pay more than the minimum but not the full balance each month? Thanks in advance.
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Cancelling a dd for a phone contract
Absolutely Fed up now of vodafone , cancelled the contract in september took a bill october - fine last bill or so i thought, november took a bill i thought ok il ring they said hadnt been cancelled, decemeber and jan more bills. , rang twice in jan and told a problem cancelling, will refund the £100 they owed, still…
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Divorce and credit score
I have been divorced for a number of months but still have a joint mortgage and bank account with my ex-husband, while we try to sell the marital house. Obviously, he is showing as an associated person on my credit report but is there any way of becoming disassociated from him even with the aforementioned accounts? I have…
