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Electoral roll info not appearing on credit reports
Hi there, Both noddle (CallCredit) and ClearScore (Equifax) state that I'm not on the electoral roll at my current address. However, I spoke to my local council who confirmed that I have been on the electoral roll at my current address since December 2015. Any ideas about what I can do to rectify this? Not sure how the…
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Can a bank account be transferred to another person so it doesn't mess up my credit?
My ex has been using one of my old bank accounts for years. He pulled the wool over my eyes and changed all the details so I don't have access now as I don't know any of the account details. Anyway to cut a long story short he keeps lying and saying he has closed the account but I've just done a free credit check and he…
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Thin Credit History, Score of 330?
I recently got rejected from my first ever credit card application so i thought i would dig into my credit history a little and I have a few questions. My entire credit history consists of: 1 settled credit agreement, opened then settled the next month 1 open credit agreement for my bank, up to date for just over two years…
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Personal Contract Hire with a 'FAIR' credit rating
Hi, Just wondering if anyone with less than good/excellent credit has been approved for Personal Contract Hire on a car? I have spent the last 4 years trying to rebuild my credit score and knew this was working as I was accepted for a credit card and a Very account 2 years ago so have never really viewed my credit file…
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Checking for loans, cards from years ago
Can anyone help? I've recently been interested in finding out which companies I might have had a loan, card, mortgage etc. with from several years ago for a PPI claim. Unfortunately, I don't tend to keep much paperwork from closed loans so haven't got much in the way of detail. I signed up for the Experian credit check…
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Forgot a £2.38 credit card bill for 2 months! Credit score
Hi Made the fatal error of forgetting a £2.38 balance. Struggling to see what will happen now, will I get a mortgage ever again. Perfect record to date. Any help or advice please. Thanks Pin
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Low Credit Card Limit
I recently applied for a credit card with Barclaycard expecting to get a relatively high limit as I have an excellent credit rating. However I have been told that I should cancel my credit card with Natwest that has a £2k limit and no balance as this will give me more available credit which I can then ask Barclay for a…
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Cancelling within 14-day cooling off, affects?
Hi, I was looking at buying the Lg G5 when it comes out with O2 and seen a offer on HotUkDeals about it. I noticed in the comments that someone had said that cancelling a contract even within the 14-day cooling off period will damage your credit rating? Is this true? Seems a bit unfair if the case Thanks
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Default from paid bill
I have recently looked at my credit report for the first time to see if I could be eligible for a mortgage. On the report I was surprised to find a default of an old orange phone account that I wish to dispute and would like removed to apply for a mortgage. I recall that in 2013 when I was working away from home and my…
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When does late payments turn into defaults
Hi everyone Just after some advice - I defaulted on some creditors during a tough break up 6 years ago most of he accounts that defaulted have now dropped off my credit report but one unpaid debt hasn't (I was in dispute with them) I havnt had any contact from them in 6 years.. Although on my credit report it still shows…
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Duplicated ccj advice needed
I really need help with this as I'm now at my white end and don't know which way to turn. Stupidly I received a ccj for an old halifax account. The ccj which was taken over by wescot credit services .ccj received in 2012.apparently wescot handed it back to halifax and they then sold the debt on again to b carter solicitors…
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When does a Default Actually become a Default??
I have a case with FOS against a creditor based partly on my claim that, as the credit card account defaulted over 6 years ago, it shouldn't still be recorded on the likes of my Experian account. However FOS have found that, as it was then the practice of the original creditor not to record accounts as having defaulted…
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Nationwide - Defult Help
I opened a Nationwide Flex (Cash Card current account) account back in 2010, Just a basic account for credit, debits, standing orders and Direct Debits (no overdraft facility) I used it up until August 2012, I just had a baby and moved house and to my own admission I completely forgot to change address with the bank. The…
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Can i take legal action against Wonga?
About 3 years ago someone applied for a Wonga loan fraudulently using my bank details. At the time it was all sorted between Wonga and my bank and the police were informed. However a couple of weeks later I did notice that Wonga were still taking money from my bank account. I got back in touch with them and they said they…
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Experian - opening accounts affecting credit rating
I've opened 4 bank accounts recently. No overdrafts requested or required. Why does it say I have opened 3 new CREDIT accounts and You have made 4 CREDIT applications in the last 6 month? Experian Representative would be appreciated as this is factually incorrect. Any other comments also welcome Thanks
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How long to repair credit?
Hi I have also posted in budgeting and bank accounts regarding my circumstances, but do have a quick question here. My debt to credit cards (approx £5.5k) will be clear by next week. The APRs on them are frankly awful, so I'm going to close the lot down. My personal debt has been serviced bang on time for the last 3…
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Trying to get a default removed from my credit history
I have a credit default on my credit history due to a dispute with Orange in 2012 which led to the withholding of payments. At the time I was younger and much stupider and going through a bad time in my life. With the benefit hindsight, I know that my actions were reckless and that I should have acted differently. However…
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credit card turned down
I have been turned down for a card, "due to adverse data " held on credit files, I was advised to request info from the agency used, I did this from all three main agency's. all three came back with no negative data, when I discussed with bank they would not give me the reasons or confirm anything as it was bank policy not…
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Is this a default?
Direct debit for credit agreement failed due to.insufficient funds in account (cheques hadn't cleared in time to pay). Got letter in to say payment had failed so immediately phoned to pay it. They said it's oKay we are going to retry it on April 4 with a £20 charge added on. I then got a further letter detailing this but…
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Unable to get credit?!
I turnt 18 in January and tried getting a mobile contract but got declined. I checked my credit score and it was poor, I have never had credit before but I'm unable to get credit so I don't know how to boost it, I am also on the electrol roll. Any advice please?!