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Arrangement to pay on credit reports
Hello! It's my first post so do bear with. My boyfriend and I are currently saving for our first home. My credit rating is great - it's clean with no late payments and a high credit limit. My boyfriend however was previously on his mum's mortgage to help with the payments and to cut a long story short, they managed to fall…
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O2 credit reporting
I am cross currently so apologies if this post sounds that way I am just feeling very frustrated currently. I checked my noddle credit report in January because my divorce had come through and I wanted to make sure everything showed as settled that was joint because I had moved and basically wanted to make sure my ex…
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Overcharged on a transaction and taken over my credit limit. Impact on credit score??
I recently purchased a Premier Inn / Hypnos mattress. I should have been charged £467 but was mistakenly charged £4667 taking me over my £4000 credit limit. The transaction is being refunded but I need to know the likely impact on my credit score (which is currently very good and I would have liked to keep it that way). Is…
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Financing car - 19 years old
Hello, I'm 19 years old and looking to apply for credit on a new car. I started a business over 2 years ago and like many other business owners, I spend well over 8 hours a day, 7 days a week working at my business. I enjoy it and wouldn't have it any other way. A year ago I saw an advert for the new Mazda MX-5 and fell in…
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15 yr old debt?
I am totally lost at the moment as I have been contacted by a debt recovery company regarding a debt I have not heard from in 15 years, The first I learned about this was a phone call on my mobile last week. I have lived in my home for over 15 years and had the same landline number for 18 years. I have during that time had…
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Confusion with Statute Barred on a 6 year old C.Card debt
Hi All I've spent the day looking into this and I'm hoping some of you lovely people can provide me with some advise. In 2009 I had a credit card, and due to my circumstances, divorce and unemployment, I didn't pay it and it defaulted on 26/02/2010. It was from Tesco, and the balance is £1600. Last year I opened a Noddle…
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Equifax - on hold
Hi, I've now been on hold for 1hour14mins!!! Trying to cancel my subscription and it seems it has to be done by phone. Anyone had luck cancelling any other way? Thanks HJ
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Default removal from credit report
Hi everyone, I know this is a subject that comes up multiple times a day but I just wanted to triple check something. I have 4 default accounts on my file, all defaulted in 2010. Since then I have been very good and have no credit anymore so I know that 3 of them will be removed from my report this year, August and October…
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Copy of Credit file
is there anyway you can get a copy of your credit file as how lenders see it? I know its slightly different just interested to see how it looks
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first credit card statement...
I got an Aqua card last month with the view to improve my credit score. I got my first statement today and have spent around £200 of a £600 limit I logged onto my experian this morning and have noticed a huge drop in my score, due to the credit account being added and the £200 bill. I know the score is meaningless, but…
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Defaulted on F & F Settlements as a victim in accident
Hello all, I have read lots of threads about defaults on F & F settlements, but most are situations where the borrower was in debt. I don't know if my situation is any different, to cut the story short, I was a victim in a bike accident where I was knocked down by a car, resulting me in being off work for 9 months.This…
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What happens if yo exaggerate your income to a credit card provider?
Just curious
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MSE News: Are you financially attractive?
Test whether your credit history is good enough to turn lenders on...Read the full story: 'Are you financially attractive?' Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum? Intro Guide.
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Phone contract at 17 and parents credit score
Hi I hope to get some advice. I'm currently 16 years old and my mobile phone contract is currently in my dads name and I pay him monthly for my bill. However, I turn 17 this year and a few days after my phone contract finishes and my dad refuses to renew it for fears it will effect his credit score. What options to I have…
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Someone else signed up to ClearScore using my credentials
I have recently been keeping a close eye on my credit score using Equifax. I ended my subscription in January as it costs quite a bit but the service wasn't up to much. Yesterday I was looking at alternative credit scoring companies and found ClearScore. It has good reviews and even found a thread on MSE - largely pretty…
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Does Card Fraud affect Credit Ratings?
I'm looking to apply for a Mortgage with my Partner (first time buyer) this summer after saving for a long time and I'm wondering if Banking fraud affects your credit rating. This year I have had fraud twice, against my current account and only yesterday my credit card - both have been refunded to me as I proved the…
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EE Credit Score
I've just downloaded an Equifax credit report in preparation for a mortgage application, and discovered that I have apparently owed EE either £2 or £2.50 [EE say one, credit file says the other] since November for an account I was under the impression was closed/settled. I was told last year that to cancel I simply needed…
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Date of a Default
Does anyone know of what goes into deciding a default date on a credit file. I have a default that I partially settled with Santander. They accepted my payment and agreed that I had no more to pay. Then they registered the default date as post the date of settlement. The account was clearly in default for some years before…
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Electoral Roll
How long does it generally take for the electoral roll to show up on credit files? I registered about a month ago, was told the end of the month was generally when files were updated with new registrants. Do lenders look at say, your Experian file to check if you're on the electoral roll or is there a national register…
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Implication of a default on credit file?
As someone who has never worked in finance or had a default, I am guessing that a creditor adding a default to someone's credit file, due to them being on a debt management plan with StepChange, will mean nobody will offer them credit again; no more or less. Does anyone know more than me of the implication?
