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Clearing a mistake on credit file help! VODAFONE!
I have an ongoing saga with Vodafone my partner cancelled his contract in August yet every month they have sent bill after bill and every month we have rang having to explain every time the contract had been cancelled and there is no bill to be paid the account had been settled. Well were now in March I have demanded to…
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Clearscore dates
I have clearscore as well as noddle. In 'overview' I'm told I have a default but it's not listed on the 'account', in fact there is no mention of what the account is (loan/credit card/etc) and if it's settled/satisfied or if there was a default. When will the defaulted accounts fall off my report? I thought it was from…
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british gas late payment marker for 3 years
hello i was with british gas in 2013 and left them to move elsewhere. duting this time i was struggling financially and didnt pay the final bill and the account moved into 6 months arrears around august 2013. i have been making payments of £5 per month to them through a stepchange dmp since december 2013. so basically id…
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Rate Setter
Hi, I am looking to get a loan from Rate Setter, the rates are all favourable and I like the fact I can pay it back early. Just wondering if anyone has any experience of using Rate Setter, and if this is a trustworthy way of lending so long as I pay back it? Will it have a negative impact on my credit rating, similar to a…
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Concert Tickets
I ordered concert tickets from Viagogo and they arrived! However, they are the wrong seats and one's which I wouldn't pay £5 let alone £500. Have contacted Viagogo, via email, twitter and not had a response. Anyone else had this issue before?
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Will my Credit Score be affected?
I have recently had a change of circumstances and as such am trying to reduce some of my monthly outgoings.The recent addition of a little girl being the main change,but also a new job closer to home so I can spend more time with her. Most outgoings been reduced successfully with a little searching about and next in my…
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Sell house to rebuild credit file?? Will it work?
Looking for some advice and with a forward plan I have and whether it will be the most efficient way of helping me and my wife getting our own mortgage and onto the housing ladder on our own. We currently have a property with circa £140k equity tied up in it. The property’s mortgage is in my parents’ name as at the time we…
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Can I challenge a defaulted payment?
I've recently done a credit check through noodle and noticed a £79 outstanding payment to EE, so I rang them to find out why, turns out when I phoned up to cancel my phone contract there was an outstanding payment owing so they couldn't cancel it, supposedly informing me of that at the time but I can't recall that as I…
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Credit ReBuild Dilema
Spilt from estranged Hubby a year ago, I'm in rented accommodation he is still in the family house,Im trying to re-build my credit rating as he defaulted a few times last year on the mortgage payments, joint mortgage.Once the family house is sold..hopefully this year I'm going to have to try & get a mortgage of my own for…
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Two credit cards from one provider?
I have just checked my credit card eligibility on the website, and the ones I am most likely to be accepted for are all provided by Virgin. As already have a credit card with this provider, is it likely I would be accepted for another? Thanks, Lucy
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Default does not show up on free credit check
Hello, I have a near perect credit rating on Noddle and Clearscore. I recently applied for a car loan through HSBC and was advised that they would lend me the money even though I had a blemish on my credit check. They suggested I subscribe to Equifax to discover the issue as they were not aloowed to share the information.…
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Dilemma- family credit fraud, don't want to report
To preface, I've looked into all of the permutations of this situation, right into the most extreme. I know what I'm advised to do by the law, but that's not what I'm going to do. I am convinced this will not happen again. I will not allow it to happen again. Long story short- a family member has admitted that she has…
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Current and savings bank account balances 7
Why does my credit report not show what balance I have in my current and savings bank accounts and why is no value given to my credit score by being a good saver which in turn helps banks to use our money to lend to people at high rates of interest compared to the poor rates of interest that are offered to savers like…
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My sons problem with borrowing, gambling etc has ruined our credit history.
Not sure if this is the correct forum, I think it is. Just wanting some feedback on this problem and any pointers to sort it out as its never ending and doubt its going to end soon. The problem is my son and I have the same name. Prior to me trying to help and pay his debts off by using my new credit card and him promising…
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ee still showing on my credit file
Morning, I had an account with EE for my internet and phone, which ended in November 2015 when I went with plusnet. I have been keeping an eye on my credit score on clearscore, and it is showing as an open account as 'orange home', opened Nov 2014, payments made up to Jan 2016. My question is, how do I get this removed? I…
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ICO Ruled in my favour about kensington, what do i do next
I raised a concern with the ICO over how my data is being reported to the CRA by kensington. They have refused to default a debt and have been reporting it as 6 months in the arrears since 2008. The ICO have ruled in my favour but i have the feeling that Kensington will not honour the ICO's decision. I would like to know…
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Possibility of any fraud markers???
Hello all, Last year I opened a Halifax bank account and I used to sell expensive things online and accepted payment via bank transfer so all monies was transferred into my Halifax account. But in January gone so 2 months ago, my mum tried transferring money into that account for my birthday and it kept bouncing back so I…
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Default From Santander (Store cards)
Dear all, I have a default for a store card through H samuel. I have been trying to contact both H samuel and Santander who inform the aco!!!! would of gone to a company called new day Ltd, I phone and emailed them trying to challenge the default to be told it's definitely Santander that has placed the default on me. I…
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Question
Dear All, I recently found out that a someone I know is the treasurer of a branch of an organisation with charitable status. While this is normally nice to hear, as it's voluntary, this person has told me before that she is in an IVA. Is it legal for her to be a treasurer of a charity? It seems a bit strange to me. Thanks,
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Bad credit no good reason, confused!
Hi! I'm new here and hope I'm not doing anything wrong by posting a new thread. My question is about my husbands credit rating. I have 3 defaults and a ccj (irresponsible in my 20's, paying for it in my 30's!) and I have a higher credit rating than my husband who has 1 default of a month for £17 a year ago and nothing else…
