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cash transfer from credit card and credit score
Hello, I want to transfer some debt from credit card A to credit card B. at the moment my provider (B) offers a 6.9% fixed rate till I repay. They also offer a 0% cash transfer to my bank account which can use to repay my debt on card A. I'm looking to buy a house over the next 6 months so I don't want to significantly…
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Late payment on score
Hi guys just need some advice, i have a credit score of 930 on experian, i have had 1 late payment from tsb which is due to there account monthly fee. It is due to drop of any time now as it was registered beginning of december is there any way i can have this manualy done quicker Many thanks Dan.
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Advice on defaulted payment
Hi, I took out a T Mobile contract for my son in August 2011, monies for which were paid from the joint bank a/c with my now ex husband. In April 2012 we separated and I removed myself from the same bank a/c but my ex said he would continue to pay for the contract. In December 2013 my son was unable to use his phone, I…
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PCP & Credit Rating
resolved thanks
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Quick Quid Extension Issue
Hi everyone, I took out a quick quid loan for an emergency payment of an unexpected bill a couple of months ago. I was all set to pay it back as planned, when my car packs up, needing repairs and money spent on it. I log into my Quick Quid account to see if I could extend the repayment time and yes I could. It even offers…
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Credit score improving
Hello, I have 2 marks on my credit report currently, 1) being a credit card from 5.5 years ago with an outstanding balance of £1860 2) being a mobile phone bill which went into default Dec 2015 and has an o/s balance of £461. Q: which should I pay off first? To gradually improve my credit score? Would the most recent bill…
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Incorrect Information supplied by Very
Hi All, This is my first post so first of all hello. Just about to apply for my first mortgage with Barcleys, Went into the branch on Friday and received a decision in principle, Whooping on the way home I instructed my solicitor to put our offer in. I have now read (mainly on here) a lot of stories where people have…
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Credit Card Default
Hi, new member, first post. I have a defaulted credit card and the balance is at about £800, it is now sat with a debt recovery company called 'Credit Solutions Limited'. I am making small contributions each month but I will soon have enough saved to pay it all off. It's badly affected my before near perfect credit file.…
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Default after 6 years - how quick to update?
Hi everyone, First time poster so apologies in advance. I defaulted on an O2 account (which is another story for another time) on 02/06/2010 so next week I will have 'served' my 6 years. How quickly do credit agencies wipe that account from your file? Is it immediately or does it take a month or two to reflect? I'd just…
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Late dentist cancellation and debt collection
I called the day of an NHS dental appointment in early January to cancel. It was my fault, I apologised and they said I had to send them £20 for cancelling it on the day. I thought that was okay and sent them a cheque. I got a hygienist appointment around March and attended on time but when I got there they said the…
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Rental exchange
Hi all. I want to sign up to the rental exchange as I always pay my rent on time so would like it recorded for my credit rating. I thought it best to mention it to my landlord first. I sent a link from this site to him and he forwarded it to the letting agent. Their questions: Is a bank or individual company making the…
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Credit file update on ending loan
I have paid final payment of my satsuma loan, they appear to update payments 2 months behind. Will the next update they provide show on file as closed? Is there rules surrounding how payments etc are reported to credit agencies ?
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Loan showing that I've not had
Today I used Resolver. On my credit report I found a loan I never applied for or received. This was my letter. Can anyone advise me of anything else I could do. Thank you. "I applied for an Aqua credit card. It arrived with an offer to join Noddle, a credit score website. I signed up and was mortified by what I saw.…
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IVA finished
Hi hope I'm in the right place. I finished paying my IVA in August 2014 but have literally only just today received my completion certificate. Looking to start to get my credit rating sorted so I can get a mortgage with my partner in the future. So just wondering really if I can just apply for credit cards now and also how…
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Partial Settle or save longer?
Hi Guys, Just a quickie... would it be better for my credit file if I partially settle my 7+ defaults (DMP) I have or save for another year and fully settle them? They don't drop off until 2019 :( Thanks, Tom
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Experian subscription
Some 8 or 9 years ago, I was offered a free 12 month trial of Credit Expert when I took out a home insurance policy. Before the end of the year, I phoned up to discontinue so I didn't get charged after the trial period. HOWEVER, over the past 8 years or so, I've received alerts and been able to log in to see my credit file…
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Mortgage Prep Credit Limits
Good Morning, Apologies if this is in the wrong place but i am new here! I am in the process of saving for a mortgage (not far to go!) my credit history is immaculate with no defaults or late payments, however, I have 2 current accounts each with £100 overdraft limit and also a credit card with £2000 limit, I never go into…
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Too many credit searches- complain?
I have applied for a mortgage with nationwide and FINALLY it has been approved. I pay for experian reports and can see my score has gone down loads! It went from 999 to 600ish! The only changes are FIVE credit searches from Nationwide! I expect two- AIP then full app. Am I right? Should I complain? Thanks Katie
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Failed IVA has affected default date
Myself and my husband were badly advised with regards to an IVA resulting in it failing as the creditors rejected the offer, this was March 2011. We have written to one company in particular as the default shows as being really late on our credit file and won't drop off until November 2017 whereas we are hoping to get a…
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Lowell wrong info
Not sure if posting in the correct place We are applying for a mortgage at the end of this year so am trying to get my credit file and finances tidy to better our chances. A couple of years ago I had a disagreement with vodaphone and stupidly stopped paying my contract and ignoring letters thinking it would disappear (I…
