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Best way to build using credit card
Hello I am in the process of trying to build my rating such that I have a better chance of being accepted for a mortgage in the future. I don't have any 'bad' history, just don't have any history having had nothing other than utility bills and current account (without overdraft) I've just applied and being accepted for a…
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Refused Santander 123 current account - best way to check score?
I applied for a Santander 123 current account and was denied. They said I'd failed their credit check and that I could appeal in writing if I wanted to take it further. I'd like to understand why I failed before I apply for a different current account, which I'd like to do as I was previously using an offset/current…
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Credit Score Rebuilding
Hi, I am currently trying to rebuild by credit score after having to default on my credit card 2 years ago due to losing my job. I paid the credit card off in full after 6 months and it was settled but showing as a default. I currently have my car on finance and a loan which i got before this happened and all payments have…
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New energy accounts = negative points on credit score?
We recently switched our energy provider, as so often advised to do by MSE to get the best price, and when I checked my credit score it's got a negative on there because the new energy provider comes up as two new credit accounts in the last six months. I'm not querying whether it's correct that I have two new credit…
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Understanding file
OK so I did post before and have been trying to get my head round it and still cant. There is a debt on my credit file for £3,080 from Provident with the dates account start date 26/11/10 and a default date of 31/10/2011 There is a debt for Lowell which was originally provident with the dates account start date 26/11/10…
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Experian reporting on closed account
I'm hoping someone can help me clear up something with regards to Experian. I have a closed account on there (I didn't close it, it was transferred to another lender) and the closed account reflects some old late payments (over 5 years old). Had the lender kept the account, those arrears would be almost gone by now. As it…
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Defaulted twice on same debt
Checking my credit file on Noddle I've seen a default registered with a date of 28/9/2015 from Lowell. This is for a debt that I was informed by letter that they purchased from the Shop Direct Group in Oct 2015. Can they do this? The amount on the default is also different to the outstanding balance at the time, is this…
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Will old defaults ruin mortgage application
Hi there. I am looking for some advice. My partner and I are looking to buy a house and the end of the year. We checked my partners credit score and he had two closed accounts which are showing as defaulted. The accounts defaulted in 2010 and were paid off in full in November 2015. Will these accounts be removed from his…
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Rejected for loan despite excellent credit score??
Just used the MSE loan eligibility checker for a 7.5k home improvement loan over 5 years and have been given a 0% chance of approval on all (i.e., unsecured) loan products. Also just been rejected in a direct application to Sainsbury's Bank for the same loan even though I'm a current customer - took out a car loan with…
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barclaycard and credit file
Hello, my husbands credit file details his barclaycard with a start date of 2008 and an end date of 25/10/2011. However, Barclaycard have continued to report it as an inactive account for half of 2012 and whole of 2013, they have then added sustained arrears markers for feb,march,aril 2014 and finally may 2014 marked it as…
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Default date change Natwest
Hello all, some help and advice is greatly needed. I had two defaulted accounts with Natwest and as im trying to rebuild my credit file last year 28/1/2015) i decided to check my credit file with experian. Both accounts showed that the default date was 30/4/2010. Coming towards the end of the six year default drop off i…
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Equifax, ClearScore, and Experian CreditExpert not recognising flat numbers
Equifax and Experian CreditExpert don't have my flat address when I try to sign up for an account with them. I have a slash in the middle of the flat number - 14/3, which is the format recognised by the post office, and works on the majority of websites. However, I've had problems with a couple of car insurance companies…
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Credit repair & name change
Hi all, I'm currently in an IVA (finishes Sept 2017) and have recently got married. Wondering if I should hold off changing my name on some accounts until I've got myself sorted? My IVA, current account & debts are in my maiden name. Will it make a difference in the future if I put all my good debts (cc I pay off in full…
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Eligibility calculator
Hi, I was just wondering if anyone else has had the same issue with using the Eligibility calculator? I have used this tool for the past 5 years and now its unable to find me? I am on the electoral role and have looked into my credit report and nothing is flagging up to suggest why I can't be found? or why no other credit…
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Experian Credit expert not cancelling accounts
Is anyone having trouble with Experian Credit Expert. I have been trying to cancel my membership for 5 months and they continually ignore me. They continue to take £14.99 a month which doesn't even show on my online banking as a direct debit or standing order, it just comes out. They now owe me over £74 and am getting…
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Time lived at address
Hi I have been searching on google trying to find somewhere that can tell me how long i have lived at my current address as i cannot remember. I am applying for a new current account and it asks the month and year i moved to this address. My credit score i think is nil (last time i checked a few years ago). not good but at…
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Advice
Hello, I am new to this forum and I am in need of dire advise! I think we have a special situation on our hands. Me and my fiance want to buy a house. Problem is, we do not pass the credit check. I have checked my credit check; I score excellent. My lovely fiance does however not. She has very bad credit due to an…
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Credit score rating - Panic!
Hi all, my husband and me have an ID aware facility on our account with TSB which sends us quarterly credit rating summaries. In fairness I have rarely taken much notice of them as we have always had a pretty good rating. Ours came today and it shows we have 2 out of a possible 5 stars which is quite honestly freaking me…
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Failed identity check - any ideas?!
Hi there, desperately hoping someone might have a suggestion to help! Essentially, I've recently failed two online identity checks when opening savings accounts with banks. After a bit of research, I've discovered that I won't have been credit checked for this, but that banks carry out a 'soft' check with credit agencies…
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hsbc loan, 4 years since default
Hi all, Quick question, My husband defaulted on his loan around 4 years ago. He has made payments to clear it but still owes a fair amount. We want to start looking for a mortgage soon but she unsure of how this will appear on his credit report? If we wait another 2 years will it be taken off his credit file even if there…
