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Barclay's credit report mess
Hi everyone, new to this but wanted to tell everyone who has anything at all to do with Barclay's bank .. account, finance etc. that they have messed up. I discovered a previously disputed and deleted default notice from 2014 back on my credit report on Friday...BY CHANCE. Now sorted but still shocked , unhappy and…
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Settling old debts
Hello I have two debts resulting from student credit cards from over ten years ago. They were both £500 limits are I was reckless. I left them at the limit, moved address a few times and forgot about them. Obviously they both defaulted. One is now a charging order on my house and the other is a three year old ccj. I…
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Look at the progress I've made! What next?
I logged into my clearscore credit report this morning, and it's looking much better than last month: Current Accounts 3 £2700 Overdraft limit £2,700 Credit cards 2 £1,343 Total credit limit £2,500 Loans 1 £418 Opening balance £0 I've got my credit card down by almost 50%. I want my credit report to continue improving, so…
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Missed CC payment what effect will it have?
My Husband recently missed a CC payment. I sort out the finances on the credit cards and recently paid his off and the dd cancelled. He then decided to buy something on it for me so I didn't know as we have a joint bank acct. As he didn't tell me until yesterday in conversation the payment was missed :mad: It wasn't much…
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Mortgage after DAS
Hi folks! New to the board so thanks to anyone able to give advice. I am currently looking to sell my property with the view of renting for a short period of time then buying a brand new build with the governments help to buy scheme. I am lucky enough to have built up around £45000 worth of equity which I am looking to pay…
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Credit report and bank accounts
What exactly is shown about your bank account when a credit check is carried out? Do they see your balance? Do they see your income and outgoings? Thanks
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Credit Report Clean Up
Hi all, Newbie here looking for some tips and advice from the lovely folks here. BACKGROUND I went through sequestration in 2010 after an awful year previous. I was going through a divorce, like the way it is for a lot of people and my ex wouldn't co-operate on our joint debts. He left the country and left me with them. So…
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Poor credit score
I am looking for advice. I have a poor credit score but have no idea how to improve it. I own my house & am mortgage free. All of my accounts are up -to-date & paid on time. I have two credit cards only one of which is near it's limit. I have a number of loans/credit accounts paid off in full. I've been registered on the…
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Building up a credit history in the UK
Me and my husband are planning on buying our first house next year, however I am worried that my lack of credit history in the UK will affect our chances of applying for a joint mortgage. I moved to the UK in June 2015. I have a joint bank account with my husband with the Halifax and this includes a £250 overdraft which we…
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Aqua Credit Card to fix a bad credit rating
I was given a 'poor' credit rating from 'call credit'. I had credit card issues in the past but have been regularly spending approx. £1000 every month for the last year and paying it off in full in the hope of improving it. I'm hoping to improve my credit score further and more rapidly and was wondering if using a 'bad…
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Credit arrears
I was declared bankrupt 3 years ago and have now finished paying a trust deed to my creditors. I've just opened a clearscore account to look at my credit score and some of my previous depts are still listed as active and still in arrears. How can I have this removed to improve my credit score?
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Bank error causes bad credit
Hi, I'm looking for some advice about an issue I've had whilst trying to take out a mobile phone contract. I applied for a contract at a mobile phone shop in town but after the credit check came back OK, my application was subsequently declined due to the failure of the identity check. I was advised to contact my bank,…
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Missed a NEXT payment - Can it be fixed?
Hi all. A work colleague's credit record has no missed payments apart from one with NEXT. This happened three months ago and this person is concerned that this will affect his application for a mortgage within the next twelve months. Can I ask is there anything that can be done about a missed payment on your credit record?
