-
What's supposed to happen after fraud is reported?
Long story short, a family member likes to take out credit in other people's names. As they possess my original birth certificate, and know details like my DOB, mothers maiden name, first street, they are quite good at opening new accounts. Most stop hassling me for the accounts when I explain and provide a crime reference…
-
Informal Overdraft & Credit File
Account: HSBC No formal overdraft A few weeks ago I withdrew cash from my HSBC current account at 10.30pm and got an automated text message a few mins later from HSBC saying I was overdrawn by £15 as a result. The text msg said HSBC had granted an informal overdraft and advised me to clear the informal overdraft by 11.45pm…
-
Where am I going wrong?
I was recently turned down for a mortgage (I'm a first time buyer) and was told by the mortgage advisor have a look at my credit score. I signed up to Equifax and was shocked to see my score is rated as 'poor'. I earn £38,000 per annum. I have car finance with about £1,000 left and a credit card that had £1,200 outstanding…
-
T-Mobile and Lowell skullduggery!!!
I have already posted about my ongoing dispute and attempt to remove a default/late payments from T-mobile here https://forums.moneysavingexpert.com/discussion/5509230/t-mobile-ruined-my-credit-rating the post is titiled T-mobile ruined my credit rating. At the moment i'm panicking a bit as t-mobile have handed the debt…
-
Co-Op Bank - Misleading 'Help' Application Info
Was just looking at Co-Op current accounts and having a read. First of all, I struggle to understand why a contacless card is subject to your credit file, but that's another issue. The main thing I noticed was this, listed in the Current Account Application 'Help' section:…
-
Refused mobile contract due to footprints of bank account checks on my credit report
Hoping someone can offer some advice! I've tried to take out my first mobile phone contract but it's been refused due to my credit report. On further investigation it appears that the footprints left from opening some new bank accounts earlier this year have had an adverse effect. Does anyone have any experience of this…
-
General question about arrears and repair
Hi All, Just after some advice, I've cleared nearly all of my debts now bar about £250 which I'll pay off on payday. 4 accounts were in arrears and DF. Another was a CCJ which after 6 years has gone now. So my question is with no more arrears and all my debts settled or partially settled, I have a catalog with a limit of…
-
How much does a personal loan affect your credit rating?
My credit rating is very good. I've previously been a member of experian and its 999 etc. I get offered credit cards with 10k+ limits. Aside from my mortgage and student loan I have no debt though at present and pay my card every month. How much do personal loans affect your credit rating? For example how much more does a…
-
Changed name but old credit report not linked?
Hi there, I was wondering if I could get some advice on my situation. A few years ago I got into debt. Several defaults. Credit file ruined. I begun paying all these off and sorting myself out. These defaults were around 4 to 5 years ago now. Since that time I have also changed my entire name by Deed Poll. At the time I…
-
Heavy footprint after mortgage application
Hi , Recently applied for a mortgage through TSB and they carried out their credit check on the same day the application went in. It reads on my experien report that they carried out six searches , P1, P2 and so on... One of the searches was labelled an 'unregistered enquiry ' with a term of 36 months at £217 per month.…
-
Credit rating and mortgages
Hi everyone, Looking for.some.advice if anyone can help. My girlfriend and i want to buy our first home. I have a good credit score but my girl has a repossesion on her credit file.from.her previous relationship. Does anyone know or have experience of this and if ut is possible to get a joint mortgage. We have a good…
-
Nationwide QY code.
I took out a Nationwide account and credit card around 18 months ago. I spent a lot of money on the credit card and have been paying it in full every month since the 15 months 0% ended. I'm in dispute with Currys over a purchase and have started the small claims procedure, though papers haven't been served yet - so they…
-
Argos card drama
I applied for an Argos store card (Home Retail Group) about 3 weeks ago and was accepted straight away. My card arrived last week with a credit limit of £750. I made one purchase in the store a few days ago for £14.99. Today I couldn't log into my Argos card account which I set up and called them to find out why.. Turns…
-
Disputes with credit reference agencies
After thinking my credit files were clean after bankruptcy, I've since found a couple of default dates are still wrong. I've raised disputes with the agency's. Do they do anything to sort it out or do I have to contact the lenders again.
-
wrongly placed defualt
Hi All. I'm having problems with getting a mortgage due to a default on my credit file. Below is some insight into the problem. Back in February 2008 i visited my local Royal bank of Scotland branch to change my address on file and close the account. When i left the bank i was under the impression that this had been done.…
-
CRAs know your exact monthly income and share it with lenders
Interesting piece on the Telegraph website this morning about how CallCredit, Equifax and Experian all hold detailed information about the income that goes into your bank account. Lenders see this when they access your credit file. This is news to me as I thought lenders just see your debt and repayment history, not your…
-
Confused about credit report
Hi all, I'm rebuilding my credit worthiness as I've been sitting in the poor category with a score of two liquorice allsorts and a bounty for some time now (although my Noddle score is a Galaxy Ripple, Two Kitkats, and a Mars Bar). However, checking my report today I'm confused by something Credit Expert are saying that I…
-
Credit repai advice
Hello, I'm looking for a bit of advice please in a bid to clean up my credit score. I'm trying to work out the best approach and tackle the issues first which are most affecting my 'credit status' of very poor. So here is a summary of what is on my report; A) Phone bill -default may 2015 o/s balance £165 B) Phone bill…
-
T-Mobile ruined my credit rating
Hey Everyone, this is my first post and I know there are probably tons of similar posts, I know as i have spent the last week frantically searching anything and everything to help me. unfortunately i wasted a lot of time reading about removing defaults by asking for a copy of the default notices and the genuine signed…
-
small amount causes massive credit rating effect
Last year I sold a property with a current account linked to it, which was already at it's overdraft limit. During the sale, my mortgage provider switched from adding interest to my mortgage payment to adding the interest onto the already topped out current account, without any notification. Over a period of 7 months…
