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Noddle not working
Cant seem to get onto Noddle for the past couple of days it just freezes up, anyone else had this?
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Statute barred and stuff...
Hi all, I'll try to keep this short, just a few questions. So from my younger days I had built up a bit of debt from loans and credit cards, I think around 20k, I then had a back operation and fell behind with payments, then I tried an iva. A year or so in I broke my collar bone, again unable to pay as I am a self employed…
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Credit Card not showing in credit file, but i want it too...
edit: FIXED! thx its still not on noddle but I can live with that.
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Defaults question
Hi I thought I had posted it already, but doesn't ;look like it worked. I have a default on my credit file and it says the date of the default is 30/4/10. This will be 6 years old in the next few weeks, not I don't expect it to disappear dead on 30/4/16 but I was wanting to know if they are automatically removed? The money…
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Credit report - Does it show other people financials at same address?
Hi Quick question. Santender offered to move some of my financial stuff to my dads' house. Just Bank account and mortgage, which I agreed to then thought of the possible implications! My Dad does regular experian checks at his address. Would my financial circumstances show up? IE my mortgage balance etc? Would it even be…
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Fraud against me - Help please
Evening, I have been a serial snooper on Mse for a long time but this is my first post so please be kind. I am currently in the process of getting things sorted to buy my first house with my fianc!e but I have a negative mark against my credit file so I have a few questions regarding this. First of all the negative mark…
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should i cancel credit cards to improve credit rating
I intend to apply for a remortgage soon but I have quite a lot of credit cards and was wondering if i should cancel some of them...is this beneficial in terms of getting a mortgage (I also heard it can be good to have lots of available credit). Here's a breakdown. Mbna £1900 balance 5000 credit limit Tesco card £0 balance…
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Should I close my account?
I have just paid of my Very account (online catalogue account). It had a balance of nearly £4000. I have cleared it all. I have been paying the minimum payment for quite a few years. Should I close the account? Or leave it with a zero balance and just not use it. I wasn't sure what was better for my credit rating.
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Credit limit related to rating
hi everyone really need some help, i have 3 credit cards with about 9k spread across them. But on one of them the balance is 3k and the limit has been going up lately and is now at 8k. My question is is this extra 5k of limit eating into my available all round CREDIT i.e when applying for a new card? hope this makes sense.…
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Full and final offer for debts I do not acknowledge
Hi Everyone, I am trying to fix my credit report and have cleared most of the stuff up but I have 4 accounts on my report that I have no knowledge of, all 4 are marked as defaulted with two defaulted in 2012 and two defaulted in 2014. I have no knowledge of the accounts so will not acknowledge them at all. In fact the only…
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EE Default
Has anyone successfully managed to have them remove one? I'd rather not get into the morals of "correct reporting" etc, but I do indeed owe them £70, they never sent any sort of default notice, and I stupidly told them to "sling it" rather than going through a proper complaints procedure at the time, that was 3 years…
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Arrow Global on Experian report
Hi, I just checked my credit report the other day and it appears that my credit score has suddenly dropped to 'poor' as a company called Arrow Global is showing a £160 default. I'm pretty sure this is a phone bill I defaulted on back in 2011, but a similar collection agency chased me up and I paid the amount.…
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Insurance searches
My husband and I have always protected our credit ratings but his is very much better than mine. I looked at my report and I do all the shopping around for all many insurances every year and even though I pay annually and do not use credit to pay there are many dozens of credit searches for many companies that I never use.…
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Address Issues - my flat doesn't exist...
Hello I'm trying to prepare myself to apply for a mortgage in a few months. I currently have about £6k on credit cards (which I will reduce over the coming months), with about ) £15k available. I never pay late and generally pay a set amount higher than the minimum but not the maximum. I've shuffled cards so I don't pay…
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Fathers details on my credit file.
How can I stop my fathers credit information appearing on my file? We have the same first and last name though I use a middle name on all credit bearing accounts etc. We have different DOBs and live in different towns. I constantly seem to be clearing up my credit file every few months, I get things of his removed and then…
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Standing orders
I've recently cancelled my daughters swimming lessons along with the standing order, only to be told that unless we notified the local swimming baths by the 15th of the month (it was the 16th) we'd be charged for the following month too. Will this affect my credit rating?
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MYJAR arrangement to pay???
Hi all. I took a short-term loan out with the above in December 2015, and have had no problem at all making the repayments. Unfortunately, my February repayment date fell the day before my salary gets paid which resulted in MYJAR not being paid in time. I phoned them the next day and paid that amount and was reassured…
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Wonga Reporting Incorrect Information To Call Credit
Hi All, Great forum first time poster.... I have been trying to re-mortgage my home and unfortunately I have some issues with my CallCredit credit file. In 2011 I stupidly took out a Payday Loan with Wonga. They have reported that for 3 months in 2011 a debt management plan was in force (DM shown on credit file). I have…
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Electoral register and two spellings of address
I live in a tenement flat which happens to have two addresses depending on what you are receiving.:huh: Local mail from the council etc comes to one, and all other (including the banks) register it as the other address. Think: - 8/2 Happy Street - Flat 2 8 Happy Street This means that on the electoral register I have no…
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Erudio SA100/SA302
Hi, I have some Erudio woes... First Erudio never sent (or at least I never received) my deferment application form. I requested another on Friday March 4th, which didn't arrive till the 15th (to be fair I suspect a local Royal Mail issue here; another item of post at the same time was similarly delayed). In the meantime I…
