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Credit file & ratings
Archives for June 2016
Discussion List
How to check if I've been used as a guarantor
Hi all, I really hope someone can help. I've recently been asked if I would be a guarantor for a family member but has said no. Since then they have done onto a large PPI claim of £8k, which we didn't think anything of, but recently we've now been told they are due another even larger payout on another PPI clam they knew…
Credit card - no statements for 8 years
Out of the blue today I received a phone call from a credit card company saying they hadn't managed to collect the direct debit this last month. I had totally forgotten about this credit card as it was from over ten years ago, apparently they had been collecting a small minimum payment from one of my bank accounts all this…
Understanding why I've been declined for finance
Hello guys, I've just purchased a new house and moved in the last 2 weeks. I had no issues getting the mortgage. According to Equifax and Noddle, my credit rating is good. I am employed, full-time and have a salary of £75,000. I have one credit card, which is paid in full, every month. I have a mortgage. That is my only…
CCJ 8 years ago, Potential employer asking for info
So I received a CCJ after being overpaid by a previous employer in 2007/08. I've never made any payment plan or been in contact with the company since and they have not chased me for the monies. I'm applying for a new job at the moment and the company asks if I have any CCJ's and if so, what are the repayment plan details.…
should I fight this CIFAS fraud marker?
-issue solved-
Low credit score and how to improve
I don't usually post on forums but i feel i'm in a difficult situation. In August 2015 i changed my phone supplier from O2 to Vodafone through a third party website (mobile phones direct). I paid my first month subscription to Vodafone and within the first 14 days i encountered 1 week without signal and no indication of it…
Credit Score Not Increasing
I am currently saving up for a deposit to buy my first home. On preparing for applying for mortgages I checked my credit score to see that it was in the 'poor' section on Experian. The report explained that this was due to my credit card balance being too close to its limit. As a result I decided to do a balance transfer.…
Can anyone help me with credit file advice?
Hi Guys, Appreciate a lot of what i'm asking is covered elsewhere in this forum but I just want to clarify a few things. I went through a period a few years ago where I got into a debt management plan and fell behind with a couple of payments. Thankfully this was a few years ago and now the DMP (with payplan) is completely…
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