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Experian
I recently applied for an Equity Release deal on my house only to be refused due to "adverse credit report" this came as a surprise as the Noddle file I printed off and sent to mt IFA was clear. I subscribed to Experian and found 2 defaults on my account, neither show on Noddle, one on a Barclaycard account and the other…
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New to this!! But I have previous tenants debt affecting my credit score...
Hi, I'm new to this whole thing and to be honest pretty embarrassed! But I'm really stuck in the middle at the moment getting shoved from pillar to post. I have been in my rented property since July 14th 2015. My credit score is classed as 'excellent' and have never had any missed payments. Recently I tried to open another…
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Ex-bankrupt with lots of previous creditors - how to get best picture of credit?
I was recently discharged from bankruptcy and over the next few months will start to "clear up" my credit file (i.e writing to creditors to correct the information to show satisfied etc). Just signed up with Clearscore, who only seem to use Equifax. Clearscore is only showing about 8 of my creditors, but I have around…
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Having a CCJ set aside
Hi there, I'm looking for some advice from anybody who may have had experience of having a CCJ set aside... Brief outline - My wife carried out a credit check and found a CCJ on her a otherwise faultless file. This was the first we knew of it. We found out it was from a parking company who had issued a fine in Dec. 2015.…
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Data Protection
I have always paid in cheques from my mum to my children without having the account number. I went into Lloyds today with a cheque payable to my son and asked them to pay it in. They refused as i didn't have the account number citing data protection. I said that I was not asking them to provide me with the number, I was…
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Poor credit score - moving house
Firstly I hope this is the correct forum as was unsure whether to put under renting or credit ratings..... My partner and I are looking for some advice please. We have been asked to move out of our rental property in september as the owner has returned from living abroad after just several months due to personal reasons.…
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Possible Identity Fraud
I received a mailshot today from Towergate Insurance, addressed to an Eastern European sounding name, and it appears they believe he lives at this address and owns a holiday home. I phoned to discover how they’d obtained these details but she was very cagey, although did infer that it was in response to an explicit request…
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Small default - help
We currently have our house on the market so have been keeping an eye on our credit files. I have always used Experian but have recently switched to Equifax. Equifax had an £84 default against my name under BT Ltd from 2012. I have not received a single thing from BT regarding this debt and can only imagine it is around…
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Updated Address and Default has Disappeared
Hi I previously had a spotless credit file except from a default from Wonga from 2014 which I emailed them asking to be removed a couple of weeks ago, siting mishaps on their behalf (and posted about on the debtfreewannabe forum). Unfortunately I can't link the thread, however their response was that they weren't going to…
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Problems with CCJ and court admin
A few years back, someone used my wife's name and our old address to get vet treatment on their dog. We presume it was the people who took over our rented house in London after we moved up North to Chester. We didn't find out about it until we were trying to get a mortgage and a CCJ for the vet bill appeared on my wife's…
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Will default go away next month
I have a default from an account with HSBC that is almost 6 years old. My Experian report says date of default was 12/07/10. But there is a red mark entry in every month since. Can I expect all of these to disappear from my report on the 12th of next month?
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Debt collector closed account but won't update file
Hello I have tried searching to see if this had been answered elsewhere but couldn't find anything so sorry in advance if I'm repeating a question. I had some old debts worth about £340 passed to a debt collector. On my credit file the original default is from 2013 but it keeps updating every month as an outstanding…
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Electoral Register Address Different from Creditors
HI, So here is my problem that I need a solution to fix. I moved into my house around 6 months ago. I live in Flat 1-1 or Flat 5. Electoral Register has my address as Flat 1-1, however my bank, credit cards, broadband etc have all my address listed as Flat 5 as this is what Royal mail has listed. The flats in my block are…
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Long time to set up Clearscore account?
I registered for a Clearscore account and the final page said thank you for registering please email us some ID to complete the process. I did this about a week ago now and have not heard a thing from them, I have also sent them an email and have not received a reply. Does it normally take this long?
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Cannot register on Electoral Roll - Notice of Correction (NOC) - Good or bad idea?
Hello everyone. I need some advice on Notice of corrections. My partner moved to the U.K about 15 months ago and we are working on building her credit worthiness with a long term goal of applying for a mortgage. Current credit report status is * £500 limit Lloyds credit card (Which Experian flags as a bad thing. Apparently…
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Deposit Paid but Credit Refused
Hi We recently paid a deposit on a new kitchen. £X amount clearly marked as "Non Refundable" for the design phase which we were happy with. Happy with the design we went further explaining that we would like to use the credit facility method of payment, for which they would need 25% of the total cost of the kitchen up…
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Credit File Unfair
Hi guys, Hope someone can advise me. I opened an account with Studio back in 2014 when buying some garden furniture. The furniture was delivered damaged so I arranged for it to be collected and requested a refund. Since then the money was never refunded to my account so I refused to pay them anything until this was sorted.…
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Loan or PCP
Hi All, Im looking at getting a loan for £15000 for a new car but i have a question. If i get declined for the loan (not sure if i will or not yet) is there a chance i will get accepted for PCP? Id rather go down the loan route but if i do get declined then i dont really want to embarrass myself at the dealership by…
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Paying off debts in f&f: What to be aware of
I have a 2k outstanding debt with Amex, currently paying £60/month. I am in a position to pay this off in total and am wondering what to ask for or how to go about it. Should I bother negotiating and asking for a small discount? To be fair, they froze interest straight away when I asked so I feel I've been treated fairly…
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Clearscore incorrect info
I joined Clearscore some time ago and noticed some information on my report was incorrect. In accordance with Clearscores procedures I raised a dispute for each incorrect entry, 2 of the errors have been removed but one remains, a previous address that I have never lived at or been registered to. It was actually my in-laws…
