-
Will Payday Loan search on my credit file impact mortgage application?
Hi, I'm applying for a new mortgage in a few months and I've registered on checkmyfile and experian. All fine on Experian but on checkmyfile Callcredit are reporting that MEM Financial Services did a credit check on me in 2014, a quick search has brought them up as being a payday loan provider. The details provided…
-
Robinson Way forged default notice!!!
Hi, i would be greatful for some advice or where to go next with the actions i have taken and if anyone of course thinks i have grounds. I recently received checked my credit score at the start of the year to see how my rating looked. To my surprise there was a default notice from a "hoist portfolio limited 2" a sister…
-
Impact of paying off a loan in the cooling off period?
Hi- Looking for advice. For various reasons i needed to get a loan on short notice last week. I am with Barclays Premier banking and the Barclays app had been telling me that I was pre-approved for £25 000 over 60 months. This was the easy option and was quick, i had the cash in 10 minutes. The rate isn't great and i have…
-
Car lease had big impact on my score??
Hi all. I have never missed a payment on anything. I have a mortgage loan and credit card. Now i took a 12 month lease on a car and shows as £27k on my file so with my other credit it has really dropped my score to around 850 now. I tried a balance transfer on my CC to halifax from barclay card and not thinking i would…
-
Credit Confusion over Mobile contract
Would appreciate it if a member could explain something to me. I'm asking on behalf of my girlfriend. The facts. She is applying to switch her PAYG phone to a Sim only phone, with the same provider, Tesco. The Problem. This seems to be the length of time at her new residence, she is renting at the moment and she's been…
-
Credit score dropped over night
I came across a new programme by Samsung which allows you to replace your handset every 12 months. But that would require that I take a loan from pay4Later and spread it across 24 months. So I filled out the application form but it was declined within two seconds. Initially I thought that there might be some technical…
-
NODDLE.CO.UK - Says I'm Already Signed Up??!
Hi All, So I recently applied for a fake job, sent off my scanned passport for a DBS check that the fake company had referred me to and also paid a fee for it. I quickly realised that the job and the businesses/websites involved were fraudulent. I've contacted my bank, reported the company/people involved etc. This all…
-
Late mortgage payment a
Mortgage due on the 1st of every month with Santander . Forgot to transfer money into the account the mortgage comes out of , remembered today called them up and Paid in full no late charges or interest added. The question is will this show as a 1 on my credit report next month or is there a grace period ?
-
Maintain credit rating while abroad
Hi, I will be moving abroad for a couple of years and would like to maintain my credit rating. I have a mortgaged flat which will be rented out, so all utility bills will no longer be in my name. Which steps should I take to keep my credit rating, as I intend to buy a new mortgaged house when I return? I was thinking of…
-
Declinrd for business bank account- 2 Lowell Defaults
Hi. Been refused for business bank accounts for my ltd company due to 2 defaults on my credit report. Both total £600 and are by lowell. I have been reading about it but still dont know how to go about it. If i pay them off the default will still remain on my file and still i might not be able to open a bank account. The…
-
Low credit score as my bank only reports to Experian
Hi, My main bank account only shares my financial information with Experian, which seems to be their prerogative. However, because of this Equifax and Call Credit (the other main credit report agencies) have a much lower score for my credit history, as they have no information about repaid loans, direct debits etc. Is…
-
I challenged a default on my credit file and had it removed
Hi All, I had a default placed on me by a payday company, I challenged it as the dates and information was incorrect. I challenged it via experian who have confirmed the default has now been removed fully from my credit file as they provided incorrect information it shows If you bug and moan enough these people will do…
-
What will happen to my credit rating?
Hi everyone, New user, first post. When I was younger I took out a silly few mail order catalogues, credit cards and loans. Missed a few payments, was then unemployed and couldn't afford the repayments. I then got a new job, went into a Debt Management plan and everything was then getting paid back. Now in 2016 I'm debt…
-
Time it takes for credit card spend to impact credit score
Hi, I am going to Vegas on Thursday. I would like to use my Halifax Clarity credit card abroad instead of my Santander debit card due to charges. I will be spending and taking cash out. How long will this take to feed through to my credit file? If I pay it off as soon as I am back will it even feed through to my credit…
-
Is it possible to get a Default removed.
Right so, back in 2012 I got my first credit report from Experian which came back disapointing(around 250) but I thought to myself, I'm only 19. So I started taking out payday loans(from wonga) which I kept repaying with no issues. 2 years later my score increased to around 400 so I applied for a credit card with…
-
Partner credit card or not?
Hi all, just a quick question. My partner doesn’t have much form of credit as all the bills other than the mortgage is in my name (mortgage is both). Is it worth just getting her a small credit card to use for fuel etc to build her score/history for the future? She has had CC's in past but she got rid of them about 36…
-
Barclaycard not reporting closed and cleared account
So i seem to find myself looking for guidance from the wise, and here i am again! My husband and i both had Barclay credit cards. Total amount of available credit 8k. The balances were almost blown whilst we did the house up. We consolidated lending and cleared all the balances. We paid the whole amount on the 25th Feb and…
-
Notice of Correction - now obsolete, what next?
Evening all. I noticed an erroneous entry on my Equifax credit report early this year (which wasn't replicated on Experian) so contacted Equifax and, as of this week, the offending entry has been removed. When I notified Equifax, they lodged a Notice of Correction (which I didn't request) and that still sits on my credit…
-
Satisfying a default nearing expiry
Hi people, I know there's lots of knowledgeable people here and I've not got a clear picture after having spoke with Equifax and the MoneyAdviceService so I'd appreciate your input. I primarily use Experian to keep on eye on my credit file however recently I used Equifax's 30 day trial to see their perspective of my credit…
-
Experian Credit report
Hi, I requested credit report online yesterday and paid £2. Last year when I requested I did get an immediate email confirming my request and that they have taken £2 from my card. No email arrived so far. Has experian changed the process? Thanks
