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electoral register
Hi My partner had a number of defaulted debts which have recently been paid off. This is not yet reflected on his credit file so he will have 'bad credit' for a while longer. We are planning for him to move in with me. I know that my credit is only affected if we have any joint financial accounts - we don't. However I want…
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Clearscore Hard searches
I'm about to move house, and have organised Virgin Media for my new address (Broadband only, I have no interest in TV or phone line). They have as expected credit searched me (despite this not really being credit, I have no way to run up a bill and they bill me in advance). Except, Clearscore counts it as two credit…
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Unrecognised Default
Hi New poster but long-term browser and was hoping somebody could help me with this one. Hope I'm in the right place I took out a loan about 2 weeks ago and checked my experian prior to doing so and was awarded a fair score. I logged in again (to cancel my free trial) and have since had a default put on my account. The…
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CCJ costs
Hi there Hubby and I have been years climbing out of a debt disaster after he was made redundant out of the blue and struggled for years to get a new job. He has now been working again for a few years and we're looking to get a mortgage so checked our credit file and found he had a CCJ- definitely a debt we owed and in all…
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How do you work out when the default date should be?
Hi I have an outstanding default showing on my credit file, I defaulted on a catalogue debt December 2010, yet the default on my credit file is dated November 2011, I understand that the rule of thumb is that the default date should be between 3-6 months of missing payments, is this the same for a catalogue??? The debt is…
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Unable to have credit report generated. Any ideas?
Noodle suggest I may have a 'thin report', whilst Clear-Score suggest errors in spellings or data held on the electoral role etc.. I've been on the electoral role - with correct details, having checked - since 2004; I hold a joint bank account with overdraft facility and all my energy bills are via DD. Both the bank…
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family member has ccj, bankruptcy and cifas markers
Hi. Am extremely worried. My dad has ccj and bankruptcy on his name and address in which I live in. My mum has recently got a cifas marker on her report usig the address i live in her score is 222. I want to start my life and move away into a new home. I have 999 credit score on my name. I also have a morgage in principle…
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Query on a default
Hi I checked my clearscore account this morning and noticed I had a default from a company called Lowells. I called them and they said they had sent a number of letters out since 13th May 2016 (8 days ago). i hadnt received any letters but paid the amount in full. The amount in full I had to pay was £229. Not a massive…
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Current credit card showing as closed on ClearScore
I usually use Noddle and this problem isn't showing up on there, but also just signed up for ClearScore and have noticed that the credit card I've had without problem for 10 years is both showing up in my open accounts, with the correct balance, but also in my closed accounts, with a balance of £1,900. It says that it last…
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Credit File Query
Hi, I was wondering about active credit cards and the taboo subject that if they are nil they can be a bad thing for your credit file. If you have say £3,000 worth of credit cards say 2 or 3 with £1000 limits, 2 had nill balance and one was max to £1k limit, would this have a negative affect on your file? If your file…
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financially disassociate myself with unknown detials
Hi By the end of the year I will be debt free (woo hoo) with the help of Stepchange and a DMP, it's taken nearly ten years but I can't wait. Because of this I'm trying to get my credit score back in order, and have noticed I have 2 associations from ex wife and partner showing 1 Ex Wife, Divorced in 2009 I carried on…
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Fraudulent Account Opened in my name
HI everyone I got a letter this morning and a PIN code for an account I have not opened - fraud! I have contacted the bank and they have stopped everything. Is there a way to find out whether my details have been used to open any other accounts so I can ring that bank or service provider and alert them? Would that come up…
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CCJ set aside - what effect on my rating?
Hello, I'm looking for a bit if advice, I have recently had the great news that a ccj that was on my credit file in error has been agreed by the courts to be set aside. As I understand it, this means it won't be visible on my file when it is searched. What I don't know is whether my score would be 'recalculated' based on…
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Improve my credit rating
Hi, I'm a newbie :wave: I need some help please. My husband and I are looking to apply for a mortgage in about 6/7 months. The thing is my husbands credit card score has gone down a lot in the last 5 months and I am not 100% sure why. He has no defaults, late payments or CCJs. He does have 3 credit cards though and pays…
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Application for credit, but not signed on the dotted line. How will this impact?
Hi, I posted on the mortgage forum, but I'm after some credit file advice I think. I stupidly applied for a loan to re-do the bathroom and kitchen on the new house I'm (hopefully) buying next week. We exchanged contracts last week and due to complete next week. I was approved for the loan, so I'm assuming a full…
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Wrong address - credit risk?
Hello. I received a letter today addressed to a person unknown to me. A few days ago the same thing happened and I gave it back to the postman. This time, I opened it as the return address relates to "Premium Credit Ltd". Inside, I found a letter referring to unpaid direct debits etc payable to "Herts Insurance…
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Cyber crime PayPal help
Hi everyone I have fallen foul to someone who employed me as a virtual assistant using a website for freelancers. He lured me away from the site and said email communication was better. I was new to freelancing so trusted him. He explained he wanted to sell in eBay but because he was new to it he had no feedback and PayPal…
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Capital Resolve!? Help!
Hi I've had a letter to contact capital Resolve based on my name and date of birth linking to my address. I've checked both experian and noddle and there is nothing on there which would link me to this company or an outanding debt. Has anyone dealt with them? Is this a bogus letter? I know my name, DOB and mothers maiden…
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Default v Account Settled
Hi I am new to the boards and trying to rebuild my credit status to hopefully apply for a mortgage over the next few years. My question is, I understand the 6 year rule however is this from the date of the default eg July 2012 or the date the account was settled eg July 2015?
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Debt from 9 years ago
I have a good credit with equifax, not so with some other for some reason, my question is, I applied for a littlewoods acc, and was accepted for £750 credit limit, so made an order and all was good, roll on 24hours and order still being processed, so. Phoned them only to be told I had an acc with them in 2007 and I've used…
