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Callcredit refuse to remove incorrect data
Having a total horrow show situation with a credit reference agency. For the last few months I keep getting chased for bad debt which isn't mine. I suspect ID fraud but when I contact the companies that are chasing me we mostly discover some personal details that are wrong. The accounts are cancelled and that's that. This…
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Another address on credit file
I'm looking to buy a house (when I can finally find one) but have had a few addresses on my credit file due to renting and having to move frequently. I don't have much luck with rentals and my current and last landlord have decided to sell the property, forcing me to move. So, having to move again soon and am concerned…
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Mortgage account showing zero balance on credit file despite shortfall?
Unfortunately the house that my partner jointly owned with his ex wife was repossessed. The house was sold and the mortgage company wrote stating that there was a shortfall due to be paid, and several letters have subsequently been sent by a debt collection company asking him to make payments. However my partner just…
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Credit Rating Agency - Adding Dodgy Accounts
Hi, I am in a very difficult situation where Experian is deliberately trying to ruin my Credit rating by Adding dodgy & Defaulted accounts and linked addresses in my name, which are not known to me. This began in 2014 when i first got registered with Experian. They added 10 different dodgy accounts in my name including the…
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Unfair late payment markers
I need to buy a new car so thought I'd check my credit reports first to make sure everything is in order. Experian looks fine, score is 953 which is 8 points away from excellent (I know, the score means nothing!) Everything on my report is showing as up to date, all payments made on time. My score on Equifax is good…
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Closing accounts
I have recently paid off my Argos,Littlewoods and Next accounts is it best now to close these as i don't intend to use them again.Also just switched a credit card,should i close the old credit card down? thanks Scott
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Twin sisters details showing on credit file
Hi all, I'm hoping someone can help with a bit of an unusual situation. My fianc! has an identical twin sister, same registered address and obviously they have the same date of birth. We have just checked her credit file through Noodle, and lots of her sisters accounts are showing, where they haven't been able to…
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Why has my clearscore gone down this month?
Haven't made any late payments for a long time as everything is direct debit, rent is paid direct to LL, hardly ever use credit card (unless thats why but they want to increase my limit next week anyway) Despite that its gone down, only by 19 points but still what is reason?
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Solicitor Mess up resulted in a CCJ
So this is a bit of an odd one but I feel it would sit here best maybe. if not feel free to move. So I had a car accident in October, My fault, minor bump, I held my hands up straight away This is the last they updated me about, the rest of the facts I did not find out till much later My insurance paid out for the repairs…
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old loan, default never registered but ccj granted?Please advise!
A quick question. We have an old loan with Northern Rock . Several years ago we got into financial difficulty and owed lots to various people etc... entered into a DMP. Northern Rock sent us a defualt notice in 2007, then pursued a ccj against us. The ccj has now dropped off our credit report as more than 6 years ago. We…
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Anyone know what 'Query on account' means on a credit report?
I've just received my credit file from Equifax and everything seems fine except this one thing. I was with TalkTalk until last June and although the account now shows as settled, there are 5 previous months where is shows a "Q" which they say means a query on the account. Could anyone tell me what this could be, if this is…
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Default on EE application
Ordering a newSE phone and car phone warehouse did a check with EE my preferred provider but they refused me. What can I do,
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Identity Theft
Hi guys & gals I was recently the victim of identity fraud, where an important document that I posted was intercepted by somebody. This somebody fraudulently opened a bank account in my name, using my address, and went on to open a couple of mobile phone accounts. I'm in the process of sorting this matter out. One of the…
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Bank default valid dispute?
Hi all and thanks for reading, I left the armed forces in March 2012 and the job lined up fell through, leaving me unable to service my Yorkshire bank O/D with a limit of £1250. It slowly increased in balance until it reaches £1359 in the November at which point they closed the account and passed it to their collections…
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Horrible credit report defaults
Hi there I have a horrible checkered past. loads and loads of payday loans, Even though i had loads, I only 4 defaults on all my accounts. I am happy to share my credit report with someone via pm if there willing to look into it and see if you can help me remove these defaults/a/r /latepayments :D
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Swapping energy supplier affect my credit rating
I was seeking a new credit card to do a bit of balance transfer. Here on MSE it said I had a 90% chance of acceptance. But when I applied (to AA) I got rejected. I checked my credit rating with ClearScore and was told my rating was “impressively high” with no red crosses or other bad marks. I got a letter from AA telling…
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No Default Notice - any advice?
Hi, I'm in the process of trying to sort out my credit score, and well on my way too despite being financially rubbish when I was younger. I have two satisfied defaults on my account. One that will expire at the end of 2017, the other mid-2020. I have reached out to both to get further information on the account that they…
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Different info on credit reports
Hi Guys, my question relates to a series of monthly successive payday loans i took out that have been cleared for 2 years this month QUICK NOTE = I KNOW IT WAS STUPID SO SAVE LECTURES :p Me and my partner are looking at buying a place so i signed up to noddle and eventually experian Noddle has me at an average rating and…
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Can a default be reapplied to credit report
Hello, Previously had a default from Natwest bank for overdraft fees, which after disputing they agreed they were unfair so agreed to remove the default from my account and mark it as closed on my credit file, although it still says i have a remaining balance. My question is, can they remark it as a default again? or once…
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Default on credit report
Hi there, I just got my report there as I was refused a credit card. Now on checking the report TSB bank had lodged a default on a current account that had no overdraft facility and as per the conditions there is an interest free threshold of 10GBP. The account was over by 10.16GBP. I actually was not aware of it at all as…
