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Bad credit help!!
Hello, I have just checked my credit file after being rejected for a loan and it is 16!!! On equifax. I really really don't know what to do! I was an absolute idiot when I first started earning money when I was younger and I feel like I've completely ruined my credit future. I've just had some money problems (unexpected…
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CCJ nightmare!
My other half has a CCJ that was registered in 2011. He lived in rented accommodation and the letters never caught up with him. He is now trying to rent a flat and this CCJ has shown up on his credit file. The letting a agent advised him to pay in full and get a certificate of completion and herein lies the issue. He paid…
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Renting a house.
Does anyone know whether I would be able to rent a house with a DRO (Debt Relief Order)? I'm married (I'm a student with scholarship - thus have a guaranteed income) and my husband works full time. We have a working/homeowner guarantor. Thanks in advance.
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If I have a good mortgage history does the rest matter?
The only credit I'm ever likely to take out is another mortgage or phone contract or current acount, and I have a proven history with those but no history with credit cards or loans If I never need a credit card or loan does it really matter from a mortgage point of view if those aren't on my file? Previous mortgages have…
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Will this improve my credit history
ey all Am coming to end of my debt relief order soon. I applied online today for an iD (the Carphone Warehouse network) Sim Only. It's a rolling 30 day plan costing only £4.00 per month. I have been accepted and passed the credit check- which they say is much more easy to be approved for than a handset and sim plan. So my…
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Joint Account dented credit score
Hi all, Early this year my Noddle credit score was 480ish. My partner and I started to process of buying a home together. We opened a joint account for the mortgage and bills etc. Unfortunately my partner lost his job (amicable resignation agreed, rather than dismissal) so we had to pull out of the purchase. I am trying to…
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Equifax score of 340
Hi everyone Clear score using Equifax gave me a stable 340/700 which I found a little disappointing, and wondering how much its likely to improve with a lull in activity Basically; -Moved house and took a new mortgage at 5x income and 2.4% interest in Feb. Mortgage was a referal but passed -car insurance, buildings…
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Credit rating and electrol roll
Hey all bit of a tricky one (well i think it is hence why im here!) I currently live in a caravan (£70all in a week good for saving the pennies!) But i have all my mail etc registered at a mates house he rents, he lives there on his own so get single living allowence etc I have a credit card, car insurence etc with no…
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How soon does a credit search appear on your file?
I made a credit application (credit card) off own bank online, earlier today. After applying it said they would be in touch within 5 working days, with a decision. I have checked experian online and no credit search has been registered yet. Is that because it hasn't been checked yet, or it takes longer to appear on your…
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House built in 1960 not on Experian register?
Hi all, Over the last few months I have had a few applications for cards/store credit turned down. This was a big surprise as I'd always had a 'golden' credit but assumed it was down to my change in employment (now self employed). However, I was turned down for a Very account a month or so ago and rang them up to enquire…
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Does reducing credit card limit impact credit rating?
Hi, I reduced my credit card limit for two of my credit cards from £5k to £2k. I didn't like the idea of it being so high and I wanted to keep my credit limit low in case I decide to apply for a mortgage. My question is: is doing this bad for ones' credit rating? Does it negatively impact it for whatever reason? Is so I'll…
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Car Finance
Hi, I have just recently paid off my last payment of car finance,does this improve my credit score as its now fully repaid and having never missed a payment? I was sure i heard it does as it will say settled on my credit file.My friend says this is not the case. Thanks Janette
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CCJ Removal
Hi, Looking for some advice.... I have managed to get my ccj set aside but not all CRA's show this, only experian. I have had new reports from all agencies yet only experian had removed it. I have also ran a report on trust registry and it showed no records found. TR said they would notify the CRA's but I was just…
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Important if you're waiting for CCJ to be removed
I thought if might be extremely useful to let you all know what happened with me and my Equifax credit score. Please also note, before I go into further detail, this has happened on 2 occasions so I am pretty convinced this is how the system works. I had a CCJ that was due to drop off my file towards the end of July 2016.…
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What credit score should I be working towards?
Hey, I have never for the last 20 years had any credit, no cards, loans, nothing. This without me realising has had a negative impact on my credit score. In April, I successfully applied for a credit card and have been spending small amounts and paying it off in full for the last three months. I have registered with Noddle…
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default credit file
Hi. I have found a default file on my credit file from virgin media. I have contacted them to dispute this as I have never taken any products out from them. My file says that the account has been settled however it is still showing on my file and is affecting my ability to obtain credit. They have said that they can't do…
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experian
Do you known that this company sells software to banks and who knows who that identifies you laptop/mobile phone!:mad: If you were to write software to do it you would be arrested.
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Experian ratings vs the rest
Hi, I have had problems in the past and ended up on a DMP with CCCS. I was fortunate enough to be able to wipe the slate clean and pay off all of my debts earlier this year. I have signed up to Experian, Equifax and Noodle to see how things have been effected. My Experian score had risen to 950 and is very nearly at…
