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Will a notice of correction help?
I have 2 satisfied CCJ's on my credit file which were because I wasn't able to pay my water bill and my council tax. One is from Oct 2012, the other is from 6 months later. At the time I was really ill, I'd just was diagnosed with MS a year before and my MS had relapsed massively, and I was broke because my ex suddenly…
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Dual citizenship and electoral list
Hi all, I recently got British citizenship and have two questions. Tried to apply for credit card over the weekend and put nationality as British and was refused( halifax, have current account with them already). Is it possible that nationality change on application triggered refusal and should I stick with original…
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Unused Bank Account.
All the cra's Ive used advise close down unused back accounts. I appreciate this maybe for potential fraud purposes. I have one such Halifax account, not used since 2012. For entertainment purposes,what if any affect does this have for credit report/score.:D
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Debt Management Company paid creditors late!?
Hi guys, Hoping someone can help as i've no idea! My other half is trying to get a mortgage sorted for a property, she's had debt issues in the past but used a debt management company (smooth, who then went into liquidation and the plan moved to moneyplus) to sort out payment plans etc. She paid the company on time and in…
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Credit check when returned to UK after 4 years
Hello all I was resident in uk four years bk, had to leave UK when my visa expired in june 2012. I had a credit card of abt 3k pounds unpaid and bank overdraft of 800 pounds. I checked few months back the ccj register and i had a CCJ registered against me in August 2013. I am returning back to uk after a period of four…
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Are Subject Access Requests safe?
Hi people I'm slowly educating myself to all the credit, fraud and related databases! I'm wondering how safe it is when applying for loans, particularly mortgages, to do a Subject Access Request (SAR)? Will the mortgage company potentially see that you're snooping into your own history and get spooked? I want to do an SAR…
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Credit Unions and Credit Reports
Quick Question from a novice... Do credit unions show up on a credit report? If a deposit has been made into a credit union do these show on a credit report at all? likewise does a loan from a credit union show on a report as well. Many thanks in advance.
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Car finance 24/7
Hi I recently applied for a loan to buy a new car through car finance 24/7, however on checking my credit file I've noticed that 9 credit searches have been carried out, 2 by the same company, is thus fair as it gas really knocked my credit rating.
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Cancel Subprime Card?
Hello, Years ago when I was a student I had a Vanquis card to build some credit history. Now I have sound credit history, I was wondering whether it's advisable to cancel the above. In addition to the Vanquis I have the following: Amex Gold Charge Card (I use this day to day). Amex Platinum Cashback Credit (nothing…
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Three mobile issue
Hi All, I took a contract out FOR my ex-partner in my name back in2010 (Very silly of myself) He managed to default a account and also open another account under my name as he had full access to the account. The second account has numerous late payments on the account. The first account is now closed with the defaulted…
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RBS - Cabot
Hi there, I've just received a letter from RBS stating that my credit card debt has been sold to Cabot. In a nut shell i defaulted on this around 2008/2009 - furthermore according to clear score and noddle there is no default on my account for this debt, What are my options? - I dont have the funds to pay will they enforce…
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Close credit cards to improve score after missed payments?
Hi, Background I have had cashflow issues in my business for 6 months+. I used credit cards previously to survive, have had 4 cards in total, so I could transfer balances around interest free (as much as poss). Despite keeping payments up for most of my financial problems, the last three months I have had missed/late…
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Noddle and MYJAR
Hello all! I can see some people have had a similar issue to me, but here goes... I logged onto Noddle today for the first time to check my credit report, as I am hoping to buy a house next year. No major issues apart from I seem to have a two defaults listed from 2011 by MYJAR - I don't know anything about either of these…
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NatWest Debt Sold to Cabot Financial
After getting home from work today there was a letter addressed to my partner from NatWest, upon opening it, it refers to a student credit card for which the debt has been sold to Cabot Financial. I signed my partner up with Experian to double check and it does indeed show she defaulted on that card in September 2010. She…
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Multiple Defaults
Hi, I'd really appreciate some help with a question if someone could kindly oblige! I don't think you need to hear my full background story, so to save your time, I'll skip to the point. I have credit card and loan debts with 5 creditors totalling around 30k. 2 of these have been passed to DCA's and 3 still with the…
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Overdraft and Credit Report
I currently have a £1000 interest-free overdraft on a graduate account (a fun leftover from student days) and I'm obviously looking to pay it off before the end of the interest-free period. I can usually afford to pay off £250 a month depending on other key expenditure (£150 this month because of my car's MOT and service).…
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Credit Reports - Can lenders see things individuals can't?
I've had a long standing complaint with an energy provider from many years ago where they incorrectly placed late payments on my credit file with 1 credit agency which they will just not remove. The account was showing as being registered to my current address so I informed the credit agency that this was incorrect. They…
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No default on CRA
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Does opening a current account negatively impact your credit score?
I have recently opened a current account with my partner and have just received an update from experian informing me that my credit score has now gone down by 73 due to this. I have not opened credit cards on this account nor an overdraft. Does anyone know if this is normal or do I need to check further? Thanks :)
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Late credit card payment
Husband and I are separating and in the midst of everything missed 1 credit card payment (paid next day when realised it was late). This is only default we have ever had. No debts, etc. Worried now that this will impact on ability to get a mortgage. Is this likely to have a big impact? Thanks
