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Help required with fraud template
Hi all Hope this is an acceptable forum to post this request, please direct me elsewhere if needed. I have fraudulent items on my credit file. I have discussed this with the collections agency, and with the companies the accounts have been opened with. I know who the person is, it's a family member that has done this…
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Default Account Question
Hi Guys & Girls, I'm after some help and advice please, I'm really struggling to understand a defaulted account on my credit file. I recently checked my credit file as am in the process of applying for a mortgage, I noticed Lowell have put a default on my credit file... I defaulted on an old T-Mobile account, this was over…
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Clearscore
What are people's experience of the new free credit check Clearscore? I have found them to be excellent but the thing is I have gotten exactly the same score each month for six months. They are supposed to check monthly with Equifax. My Clearscore score is also much better than my one with Noddle. So who do I believe? I…
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Missing mortgage on my credit files
Hi, I am going to apply for a new mortgage in a few months, so thought I would check my credit files. I have never done it before so checked Experian, ClearScore and Noddle. I was expecting to see my existing mortgage details on them, but there is no sign of. All my other accounts and credit cards etc are there, on all…
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how will a set aside ccj affect my credit report/score
is a ccj removed from the report when it is set aside or will it just say satisfied? when a ccj is set aside how much better will my score get or will it not make much difference as the ccj will still show on my report?
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Forgotten bank account has destroyed my credit rating
What kind of person is stupid enough to forget they have a Student bank account that's £1100 overdrawn? Me. After finishing University, I had 5 years to pay it back at 0% with Halifax, and foolishly put it off. Incredibly - I managed to forget I even had this account. It wasn't until I checked my credit report last month I…
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Lowell Default Added
Hi Guys & Girls, I'm after some help and advice please, I'm really struggling to understand a defaulted account on my credit file. I recently checked my credit file as am in the process of applying for a mortgage, I noticed Lowell have put a default on my credit file... I defaulted on an old T-Mobile account, this was over…
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Credit score down dramatically
The past couple months i have been trying really hard to pay my debt off. I have been paying double my normal payments so in afew months the debts should be payed off. But i have just checked my credit score and i am down 62 points! How is this happening if i am paying more and always on time
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Beneficiary trace enq type 2 search on file?
Just wondering if anyone can help. Currently applying for a mortgage with Leeds building society in final stages any day now. Just checked my credit file and RBS group have made a type 2 search on my file marked beneficiary trace enquiry, is this in any way linked to my morg application or something completely separate? I…
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Default gone but credit rating not gone up
Hi In 2010/2011 I fell into some financial difficulty due to losing my job. As a result two of my accounts entered into defaults which at the time I did not know about. One in June 2010 and the other in June 2011. Since then I have worked hard on my financials and even purchased a house and spent a lot of money from my…
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Default gone but credit rating has not gone up
Hi In 2010/2011 I fell into some financial difficulty due to losing my job. As a result two of my accounts entered into defaults which at the time I did not know about. One in June 2010 and the other in June 2011. Since then I have worked hard on my financials and even purchased a house and spent a lot of money from my…
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NPower posted default on my credit file against previous address bill not received.
Hi all, NPower have posted a default on my credit file against a gas and electricity account for a previous address (lived at two years ago) for an overdue 'final' bill that was not sent to my new address (despite my notifying customer services of my new address and that being a 'final bill' - I wouldn't be at the address…
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Non satisfied default
I went bankrupt in 2011 and have been doing alot of work to clean up my credit file ready for it all to drop off in 12 months time. All my accounts are now sorted except for a Virgin credit card with mbna. The account was originally showing a default Date of 12 months after my br Date so I contacted them to get them to…
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Marriage and preserving good credit rating
Hi folks, I'm asking this in anticipation of the future. I have an excellent credit rating but my partner doesn't. If we get married, will my credit be affected? How can I protect my credit rating? We wouldn't need or plan to open joint accounts or joint loans, but potentially may need to sign a joint tenancy agreement.…
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Good credit but not allowed a card
Hi there, I need help because I can't think of what else to do. The only reason I want a credit card is for the sake of having one, to build credit to hopefully get a mortgage in a few years. I have been living in the UK 2 and a half years. Previously 6 months in Vancouver, BC Canada and originally from Dublin, Ireland. I…
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Equifax Identity Verification Search.
Hi. I hope someone can help me. I got an alert email from Equifax. On looking at my credit report there is an identity verification search showing in table 2 by a company that I do hold an account with. The alert said if I was unaware of the search to contact the company or Equifax. My questions are Who am I best…
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Talktalk and equifax
Hi all, just wanted to pick your collective brains. I checked my equifax file today and noticed talktalk had started reporting my account history from Feb 2016, although I have actually been a customer since Jan 2015. I intend to switch next month as my contract is done and wish to head off to a cheaper supplier. Now for…
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Please help, can't get any credit, stable credit score
Hi guys, First post so go easy on me! Firstly don't know if I have posted this in right place or what but could really do with some advice and help! I am 25 got a good job with good income and according to clear score a 'stable' credit score of 281/700. I have no defaults and my only negative on my report is that I don't…
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Beneficiary trace enquiry
Just wondering if anyone can help. Currently applying for a mortgage with Leeds building society in final stages any day now. Just checked my credit file and RBS group have made a type 2 search on my file marked beneficiary trace enquiry, is this in any way linked to my morg application or something completely separate? I…
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Loss of credit account with good credit
Hi, I myself have a poor credit rating due to previous relationships leaving with me to clear up debt of which I currently pay debt agencies per month. My partner of which we are not married (yet) has always had a A1 credit rating with having accounts and 4 car finances all paid for with out missed payments all her adult…
