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Credit Rating Building
Good Afternoon all! This has probably been discussed many times, but I am in need of some advice. I've managed to clear all my debts (horay!) and now just have my monthly outgoings. However, my credit rating is currently listed as "poor". Which is a nightmare when planning on getting a mortgage etc in the future. I have…
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Nobody wants my money...
Hi sorry for somewhat absurd title, but that genuinely is the case. As a teenager with a lot of credit cards, loans and overdrafts if anyone was willing to give I was willing to take. Then things happened and I've ended up in a lot of debt. Now that I've grown up its time to start paying it back. I had a £1200 overdraft…
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Arrangement to Pay an IVA?
Hi Guys, had an arrangement to pay just over 2 years ago that's obviously still on my file Is this an IVA? Or is it something different? Are they classed as the same thing if seen on a credit file?
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Credit score for renting property
I know that there is no 100% accurate answer to this due to the fact that individual landlords will vary their criteria, but can anyone advise whether or not an equifax credit score of 361 will be sufficient for me to be accepted on a tenancy agreement? Also, how many points can I expect to gain for registering on the…
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Living at two addresses
To cut a very long story short I have been living between two addresses for the last few years, spending around half my time at each. I recently noticed that I am registered on the electoral role at one and my bank is registered to me at the other. I obviously want to get this sorted asap but wondered which of the…
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Unknown Searches
I have had multiple 'Quotation and personal searches' showing on my ClearScore credit report that I have not made. They all seem to be from loan companies/banks - around 10 of them this year. They all show my name, old address and my date of birth (showing the wrong month). All correct searches show my current address and…
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How does a Provident loan effect my credit rating
Hi My credit rating is not that great due to being made redundant a couple of years ago, so I am trying to build it back up now that I am working again. I have had Provident loans in the past and they are showing on my account as settled. I am considering taking out another one but wondered if paying it off would help my…
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Same debt being listed twice
I have a debt on my credit file which I am confused with. The debt was originally with Shop Direct Finance. It says account was opened in 12/01/1999 account end date 23/04/2016. They then sold it onto another company called TTI SPC (or TDX Group Limited). TDX Group placed a default on my account with a date of 01/06/2012.…
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Not on electoral roll?
I've been checking my credit file with clear score and it keeps telling me that I'm not on the electoral roll at my address which is having a negative impact on my credit score. The polling cards that I had for the May 5th elections and June 23rd referendum would beg to differ that I am not on the electoral roll. Has…
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Missed payments due to illness
Hi guys, I have a generally good credit history, with (aside from the subject of this thread) no missed/late payments, less than 5% credit utilisation (balances paid off in full each month), and I generally get accepted for whatever I apply for (incl. Amex Gold/Platinum within the past year). In 2014 I switched current…
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Lloyds Default Notice Template Sent To Me - What Next?
I had a credit card with Lloyds, balance was £5500 when defaulted in 2011. I have since paid over £3500 to the balance leaving around £2000. I wrote to them and asked for the CCA and default notice and I received a reply the other day. They have sent me the CCA unsigned, although apparently this is ok I believe. The letter…
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What can a mortgage provider see?
I've applied for a mortgage and it's been declined because the bank can apparently see something serious when they credit searched me. I have access to my files and there is nothing on there. I've never been bankrupt, had an IVA or criminal record. Firstly, what else could it be? and secondly, how do I find out what they…
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Credit sscore and mortgage
hoping im posting in the correct place..i am 30 years of age and have been quite bad with my choices in money over my years , mostly when i was younger taking out credit cards, payday loans ect and fell int a vicious circle of contant loans upon loans. i last checked my credit file about a year ago and was poor at around…
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Eligble calculator can't find me
Hello guys we've moved to new flat in Mar 15 and next day I registered for Electorall roll at new address. Experian, Equifax shows that I'm on Electorall Roll at current address but for some reason eligible calculator can't find me until now. How often Credit bureau updates theirs information? Is it normal? Thank you
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Credit Reports?
Hi all I have recently signed up to Clear Score and Noodle. Can you please tell the other main sites to use? I know a few charge but what are the main ones? Thanks :)
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Electoral roll and addresses
Hello all, Just looking for a bit of advice regarding the electoral roll. I'm currently not on the electoral roll and wanted to register as to improve my credit score (I'm currently fair), but I was wondering whether I can do the following: Background info: - I currently live at my Nans - I have all my bills, cards, bank…
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Advantis credit letter...id fraud?
Just had a letter from these people asking if I was the same Philip..... who used to live at....... Now I still own that property, but it's been rented out for many years. I last over there 14 years ago. I pay all my bills on time and cannot figure out what this debt could be about, unless someone is using my ID. Any…
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accounts and 6 years
can someone tell me if the account has nearly been on my credit report it normally drops off does it make a difference if there has been payments made or not.
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Paying off all my loans on time but my score is getting worse!! Why! Help!?
Hi Guys, This may seem a little long but i really need the help, so please bare with me and help me if you can....I am a 28 year old female still living at home with my parents I have lived in the same address since birth, I earn £36,000 per year and I am on the electoral roll for my home I have 3 loans with 3 different…
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British Gas instalments
My husband and I moved out of our rented property in April and notified British Gas, who told us we were £200 in credit. They then changed their minds and told us we owed them £200. We were in the middle of buying a house and didn't want to fork out £200 out of the blue, so my husband called them and they offered that we…
