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Credit file help
Right quick question Default logged on file from lloyds tsb overdraft 5.5 years ago. Since has been sold to dca but my credit file has been the following Lloyds Lloyds + dca Lloyds Now I didn't think I could have 2 defaults for the same debt and should lloyds take off default as they sold it on? Help
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issues with my name (as in the letters)
Hi guys so this is the issue i'm hoping you can help me with. I'm living in London for almost 3 years now and i have Lloyd Classic Account which was very easy to setup. The problems started when i tried to switch to the Coop bank. It was refused because the credit rating was low. Tried an account without savings or…
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Letting Agent Checks.
Hi, I'm shopping around for a rental place at the moment, they all mention the dreaded "credit checks" - I've occasionally mentioned some issues I had 5.5 years ago and they've said not to worry. I'm not sure I trust them, they're all so keen for me to give them £400 in non-returnable application fees. However I've just…
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Noddle v Clearscore which is best?
Hi As I'm currently trying to improve me Credit Score after some difficult financial times 4-6 years ago I decided to join up to Noddle and clearscore. I found both very different and use different scales for your score. Also somethings appear on Noddle that do not appear on clearscore. even some of the default dates are…
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Help found the reason for my poor credit
I have a poor credit rating. I assumed it was from a 10 year old bankrupcy but it's not. I joined Equifax and have found the culprit and I need advice on what to do about this. I remember I did take out a Very catalogue back in 2010 but I overspent on it like an idiot and missed payments. I then agreed a payment plan but…
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CCJ + Default = Mortgage issues?
Hello all, I've posted on here a few times, all about the same thing. And here I am again, sorry! At the moment I have 4 default accounts and a CCJ attached to me. All legitimate from when I was 18 and suddenly could get things for 'free' (or on credit which you have to pay back, which I didn't!) 3 of the accounts will…
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CCJ removal after paying within 1 month
Hi all, newby here! Long story short, I received a CCJ on 04/feb/16 and paid it within one month. I phoned the court who told me the CCJ had been cancelled. Is there anything else I need to do to have it removed from my credit file or should they update on their own? How long does it usually take? Many thanks for any help!…
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Credit file, bankruptcy, voluntary repossession ?? please help
Hello. i went bankrupt in 2009 and then in 2011 i gave up my house for voluntary repossession. i was told that due to my status as a bankrupt i would not be chased for the balance of my mortgage and thankfully i wasnt. I was also told that the default on my mortgage would be removed from my credit file at the same time as…
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Help with Credit file and what it means.
I'm looking for some sound advice about what myself and my partners credit reports mean in relation to us possibly buying our first house. We both have a fair "score" and each have a credit card that we use and pay off monthly and stay below the 30% usage. I'm 27 and when I was 18 got 2 contract phones out and defaulted on…
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Obtaining Credit Report
Hello friends! I am in need of some advice... Ok so basically, when I was younger I was pretty silly with getting credit and then not paying it back, I ran up several debts. I was and still am suffering from depression and as what happens all to easily and all too often, I buried my head in the sand and ignored them. Now,…
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Should I be worried if wifes credit file isn't found by Noddle or ClearScore?
Got a joint mortgage application coming up soon, I have a decent credit file and the existing mortgage in my name. My wife however has had zero credit products (really, nothing at all) but IS on the electoral roll, (we get letters to vote and occasional letter checking household details are correct etc.)... but when…
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Not on the electoral roll...!
Hi guys, So I've just checked my credit report and it turns out my electoral roll EXPIRED...! I didn't know this happened, and I have had to re-register. The issue? We've just had an offer accepted on a house so are planning to apply for a mortgage this week...! Is there anything we can do about this? I have registered…
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Defaults Disappeared From Credit File
A number of defaults that were previously showing on my noddle credit report suddenly aren't. The default dates weren't 6+ years ago so it can't be due to statute barred. They don't show and never showed on my clearscore report. They did show on Experian but I haven't had access since my trial expired. Are there any…
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Blackhorse have changed default date
hi I have checked my credit file on Experian this afternoon as one of my defaults from Blackhorse was due to drop off Feb 2016 as stated on all of my reports. I was furious to find that my credit file has been updated and they have changed the original default date meaning it won't drop off for another 18 months! I've…
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F&F Letters
Hi, When writing a letter for a debt that is no longer showing on your credit file, do you still include the line "I also request that, if accepted, you make an entry on my credit reference agency file relating to the above account as having been paid in full and the account closed." or do you just stick with "This offer…
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18 and looking to build credit?
Hi all, I’m 18 and looking to get my first credit card to build credit. Slightly confused as I just checked my credit score on Experian expecting it to be low as I have next to no credit history, however it’s has a top rating of excellent… So that leads me to my next question what’s the point of getting a credit card to…
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Finance - address history
I couldn't get a sofa on finance last night because I have lived (continuously) in 4 separate addresses in the last 3 years. Is this true? I know I have to provide a 3 year address history (which I can). Is there anything wrong with it being more than 3 addresses? Thanks Tanya:eek:
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Pre employment credit check help?
Hi, I need a little advice, I've been given a conditional offer to work at a Virgin Money Bank, however this is on condition of a pre employment check, including a credit check. I explained to the HR department my credit is poor but all bills are now on payment plans. I don't have any CCJ or have never been declared…
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False missed payment on credit file, lender declined mortgage
hi all, thanks for reading this post, i am buying a new house with my fiance. i am selling a property and the LTV is roughly 65% on the new house. we applied for a mortgage with leeds building society purely because it was a great deal on a 5year fixed rate. when we applied for the mortgage the first time in January, the…
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Lender (Provident) not updating my credit file?
So I have had three nasty loans from Satsuma Loans aka Provident. I paid all loans off early, one was paid off in September of 2015 one in November 2015 and one in december 2015. (I needed to replace a car and though my credit file is improving I could not find another lender. I scrimped and saved and paid off the loan,…
