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CCJs
when do they cease to exist? I was ringing around for some car insurance , I am getting used to being asked , do you have any NON motoring convictions , digging into your privacy a bit , I think does it make you a worse driver if you have murdered your wife? if you are a convicted !!!!!phile , will you drive slowly past…
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Cancelling a DD
Hello All, I have recently closed a few accounts such as my mobile phone account - how long should I wait before cancelling the DD? I have had things like the final bill etc and have so far waited two months but wondered if anyone had a suggested cancel date? I don't want to be stung by any errors these companies make and…
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Question regarding Experian Statutory report
I just got the statutory report from Experian (2£). What I noticed is that I cannot see the Score? or just cannot find it? Also, it does not display the Pay Day Loan I had in January 2013 (so more than 3 years), so this is positive thing. So how's about the score?!
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Unfair credit hit with no right to appeal - can I do anything, or should I have known
Hi all, I'm in my late 20s and in the process of buying my first house with my wife. We are very moneywise and have saved our deposit, live within our means etc. I've had a credit card with Halifax for 6 years which I only use for petrol in order to help build my credit file, which I checked for the first time a few weeks…
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Wrong Address
Hello, I am looking for some advice if anybody can help. I moved house last September to a new build. At the time I had some issues trying to register this with the electoral office, as my address did not show up on any address searches and my postcode doesnt show up if you type it into maps or anything like that (it still…
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Do Credit Union Loans appear on a credit report?
Hello, :) I was thinking of taking out a fairly small loan with my credit union to pay for a sudden, unexpected bill I paid with my credit card, since the interest rates on a credit union loan are lower than the rates on my credit card - however, I am hoping to apply for a mortgage this year, and was worried that taking…
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No credit history, cannot get loan
I am writing on behalf of a friend who has onky been in the country for about 18 months, has applied for loans been refused. Assuming due lack of credit history plus not been in UK for 3 years. Any suggestions? I've told her not to keep applying for things hoping one might say yes in case all those applications go against…
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Credit file messed Due to virgin Mobile
hi to all I really need help suggestion, I have mobile 30 days monthly renewal contract with virgin mobile had it for 3 years, i applied for loan in august 2015 and its declined due to bed credit on equafax credit file, so i had downloaded credit file to check whats wrong in the file. i have about 15 mobile account on…
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Bank has messed up my credit rating - any compensation due?
Hello All Hope you are all doing well and wondering if you are able to help me. I recently asked my bank to extend my overdraft by a couple of hundred pounds for a couple of weeks which they kindly did. Unfortunately, in addition to taking away the temporary overdraft after a couple of weeks, they removed my whole…
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Credit file tips and advice
Having had to keep my struggling business afloat with personal finance a few years ago, my credit file dropped from 996 to 450. Since then I have sold my property, using the equity to buy a house in my partners name. I have a good job, owe about 3k on cc and hmrc, pay everything on time and have savings. My score is…
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Query regarding financial association
Quick question, OH has been asked to be a second signatory on a business bank account for communal repairs. He is due to remortgage in a few months, how would this look on his remortgage application. Should he hold off until he has remortgaged, as he is with changing his own bank account & mobile phone? Does being a…
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Equifax Fee from different bank account
Hi guys, I'm still using Equifax after the free trial (I know, I've been meaning to cancel, but been keeping an eye on the report for a couple of months as it wasn't quite up to date and correct due to a few issues!) I've just checked my bank statements and have found Equifax has taken their monthly fee from one of my…
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Terrible credit score! :-(
I got a experience credit score tonight and it was only 377. I had a good few money problems up until 4 years ago and then I've got lots of savings and great with money, don't owe any etc. How do I go about building this up and how long roughly would it take to become at least average?
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Default on credit report that's been paid can it be removed?
I had a dispute with Virgin media last year - in a nutshell we were moving home but needed to check if we could take virgin with us - they took about two month to resolve this and even then it wasn't resolved they were a nightmare! Anyways after all that they then billed us for the contract termination fees of £245 - I had…
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EE Ruined My Credit Score
Hello, I recently applied for a mortgage with my partner. We have been refused by two companies. He has an experian score of 999, so we realized it must be me and my score is 585 which is low/poor. In particular, and quite worryingly, there is a default/delinquent from EE Mobile, which is the only thing wrong with my…
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view Experian credit score: live less than 6 years in the UK
I've been living in the UK for 8 months and have a Barclays card and they provide free of charge access to Experian credit score which I'd like to use. The issue is that I could not proceed with the registration as it is required to enter the UK addresses for 6 years. I am wondering if there is any way to skip entering the…
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Equifax Repayment Conduct Assessment - what is it, who sees it and why is mine poor?
Hi, I've been checking the three CRA's in advance of applying for a mortgage and other than a couple of small errors on the Callcredit file everything is fine. All credit cards show as no missed payments and the decree (Scottish equivalent of a CCJ) which I got in 2008 is as expected not showing. My borrowing to available…
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Credit rating plummeted for no apparent reason
I had an excellent credit rating for years, I pay off credit card in full all the time, have another credit card unused. I never missed a mortgage payment. I have been looking for a house and months ago I easily got a mortgage agreement in principle from a building society. I haven't sold my flat, the agreement expired a…
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Charging order to company that no longer exists
I would like to sell my house but have an old charging order against the property. I wanted to repay the company what was owed and have the charge removed so it wouldn't put off any buyers, but the company no longer exists. Can anyone tell me if this will prevent me from selling the property and how I would go about…
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Nationwide, Mortgages, Credit file - anyone know?
Hi Everyone, I'm an existing Nationwide customer, and after years of ploughing through reducing my debt i think i'm nearly there!! The next piece is replacing my big horrid second charge, into a total Mortgage, with my first charge. My first charge is with the Nationwide, but Interest Only, so i want to lump them all…
