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Loan Providers see Default Account which I cannot see on my Credit Reports
Hi, Recently applied for a loan, and the Broker told me they saw a Defaulted O2 account from 2011. I was very surprised as that account was a fraudulent one opened in 2010 under my name. After 1 year 5 months phone calls and applying pressure on O2 and their debt collector. They investigated and concluded it is fraudulent…
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Lex car finance
Does anyone know which CRA Lex use? Interested to know for a potential personal lease on a car. Thanks
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Would very much appreciate some financial advice
Hi, I wonder if anyone might be able to give me some advice. Four years ago I very stupidly defaulted on a payday loan for £250. I haven't had any credit / debt since and have been using a basic bank account. I don't pay any bills in my name for reasons I won't go into and I haven't made any applications for any credit,…
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Defaulter Credit account on Credit Report
I had a defaulted credit card, which I've paid off(repayment arrangement) but I didn't manage to get the creditor to remove it from my credit report. If I close my Bank accounts, utilities, unregister electoral and change my name and move house, open a new bank account and take upon new utility payments. Would it be…
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Identity Theft? Notice of Type A review: Why did I get that
Myself and my wife received a Notice of Type A review from our council. That's regarding Electoral Registration . What are the reasons why I could be getting that email. I am essentially forced to attend a hearing in order to be able to vote. If that is NOT the appropriate forum, do let me know. Thanks in advance for that!
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Paying a ccj in Scotland?
Afternoon all I'm in a dispute with a tradesman (the work was of a very poor quality) and when I pulled him up on it, he had a strop and is now shouting about small claims court. He's in the wrong, and I'm very confident that it'll go in my favour but just in case it doesn't I wanted to check that a ccj won't show on my…
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a £30 default on my file by EE and 4 month left on other default
Hey there, There is possibly hundreds of topics about this situation but the scenario i am in i need a bit of extra help. EE or T-mobile back then defaulted by account 3 years ago for £30... If i received a letter about a default then i would of paid it..., i mean £30? which ruined my credit. EE states they sent a letter…
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Next and Cabot
Hi All, a couple of years back - i had a next account and i defaulted on it. It came on my credit file and dropped after the 6yrs period had elapsed. recently cabot seem to have bought the account and are now chasing again. is cabot able to put this back on my credit file or take me to court? thanks for the kind and useful…
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Changes to my credit score
Hello all and thank you in advance for your Help. I have always been very conscious of my credit footprint and have looked to make it as good as it can be from a young age. In November 2015 On "clearscore" my credit rating was looking great, 500/700, I had two largely unused credit cards, had been with my current account…
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Help - will littlewoods error cause me a huge problem?
Hi, So I'm hoping people more knowledgeable than me can advise here! I bought some items on buy now, pay later through Littlewoods. Payment was due (to avoid the interest charge) by April 2016. I made payment in full by debit card at the end of Feb 2016. In March my statement showed the payment credited but also stated the…
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Prehistoric Debt wrecked credit file - now paid - when will it repair?
Hi, I paid off all debts I owed from a previous relationship almost 6 years ago, and after getting a joint mortgage and some credit over the past few years, I have still been plagued by many credit rejections. I found a prehistoric debt on my file which I was never contacted about, and after months of letters and trying to…
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Experian Identification – Generic Check
Hi all, Just received an email from Experian re: a search on my file. Logged in and on 13/4/16 HSBC ran the following "Identification – Generic Check". I understand this has no impact on my credit score and I believe lenders will not see this (not 100% sure on this). But for the life of me I cannot think what this could be…
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Debt on credit record for 12 years?
Hi. I have an old credit card I defaulted on in 2008 that is still showing on my credit record. I’ve looked through some guidance on this and don’t think it should be there anymore – but could anyone confirm if I’m right please? After paying a token amount for a few years, the bank closed the account in 2014 and wrote off…
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Improving credit score - what to pay off first
Hello, I have a less than brilliant credit rating, but my situation has changed recently and I'm now earning a much higher wage and bringing down debts. My credit file only has one "negative" for a single missed payment some years back (which was actually a communication error) but I have quite a lot of borrowing and…
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advice regarding credit file
This is on behalf of a family member who told me about this today. If an agreement has been made with a lender and that agreement is been met (agreed payments paid), is it ok for the lender to put on the credit file payment is less then minimum required? I suspect no but am not 100% sure. advice would be grateful for,…
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La Redoute sneakily left my credit account open
Hello I specifically asked La Redoute to close my account and remove line of credit after paying the account off. I have just found out today that three months later the account is active (I had agreed to receive marketing materials only) and they have put a credit line of £195 on it without informing me!!:mad: It is such…
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Incorrect default - Npower
Hey, I am wondering if someone will be able to help or know of someone or a solicitor who will be able too. I did post a while back about Npower incorrectly applying a default to me. They claimed that I was responsible for the electricity whilst living in a flat. However I was already paying this to another company. Turns…
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Past due credit solutions (unsure if fake)
Hey, I received this email in my spam box today, It's incredible vague in its context, I'm unsure whether its a fake or not. I checked my credit report, I already know I'm past due on something (Around £40, but I am still in the credit limit) Nothing else showed up on the report that I should be worrying about. Anyway,…
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Poor credit score due to bad finance in the past
Hi all, I moved to the UK 5 years ago and managed my finance really poorly the first 3 years I was here. I fell into the short terms loan cycle as well as credit card debts while spending more than I could afford in London clubs. A much better paid job, a financially responsible fiancee and a lots of regrets pushed me to…
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Experian charges
I have recently been turned down for credit, and don't know why. I was told that my Experian report was looked at. I wanted to get a copy, but on the Experian site, the £2 report doesn't give a credit score. However, there is a free report if you sign up for the fee of £14.99, which you can cancel within 30 days, unless…
