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Conflicting information with different Credit Report companies?
So I have bad credit, took a load of catalogues out as an 18 year old, few Wonga loans and a phone contract... Didn't pay them off for years, moved house several times, then grew up and decided I needed to sort it. Signed up to a free account with Noodle to check my credit profile, they claim it amounts to around £8k. Few…
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Joint Account effect on Credit?
Hi all, Interested in views... Does a joint account have any impact on a persons credit score? For example, if my OH needed to improve her credit score would she benefit from a joint account which we paid all bills from? Or is the CS more based on your own personal accounts?
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Free Experian trial...
Hi guys, So after Tesco rejected me and Noddle and clearscore said I had a good rating, 5/5 etc, I did a free Experian credit check (taking the trial), and it showed me as being having a rating of "fair". After reading the notes and everything I thought I'd share my findings with you guys so you don't make the same…
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Applying for a loan and mortgage simultaneously
Hi, I want to apply for a BTL mortgage but I also want to get a loan on a cheaper rate to consolidate some debts.... If I apply for the mortgage first, other lenders may see that as an extra outgoing. So if I apply for the loan first and then the mortgage would the second lender see the other search on my credit file? If…
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Hard searched via IFA without consent?
All -- hi, I am a first time buyer recently going through the process of a mortgage application. I spoke with an IFA last week, who was referred by my parents (as they use him), about what deals were available. He advised that the cheapest two on the market were Accord and Nationwide, however, he would only be able to go…
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Reliability of Eligibility Checkers
Hi MSE Folks, In the past few years, I've successfully reigned in an eye-watering level of personal debt (some of which led to adverse info on my credit files). All that remains is one disupted 5.5 year old default (£260) and a personal loan (completely up to date as is the rest of my file). I've also got a number of…
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CCJ from credit card 2010
Just had a ccj come through the door for a credit card i thought my ex partner had paid off over 3 years ago... It is from a credit card that was taken out around Jan 2010 and states assigned to claimant in May 2013 I have had no letters / calls or emails off the debt collector that now apparently holds this debt, the…
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NewDay cards / Ikano Bank
Hello, just wondering if anyone can help with where to go next on an issue we are having at the moment! My partner has recently been the victim of identity fraud. Someone opened up store card accounts in Debenhams (400 odd pounds) Karen Millen (similar amount) and then also went to an o2 store & got two brand new iPhones…
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Will an indemnity claim affect my credit rating?
Good evening all. This is my first post, I do apologise if I've posted this in the incorrect section. I'm looking for a little help on whether or not doing an indemnity claim could affect my credit score? The reason I ask is the following: I currently have car finance with a well known dealer. I feel I was sucked into…
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Change of name
I got married in June and I changed my name on bank accounts, credit cards and the electoral role as soon as I got back mid June. I am wondering how long to leave it before trying to get myself a new credit card? I tried to get a look at my credit report in my new name and it wasn't recognised. I wondered if there was a…
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How does phone contracts impact credit rating?
So just wanted to get a general idea of things, ive been with o2 for over 7 years, its one of my longest relationships with a crediter, however getting to the point its frustrating to pay heaps of money on a monthly basis for a contract phone which in reality i dont need nor need to upgrade, will probably seek a sim only…
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Applying for a mortgage with bad credit
Would anyone be able to offer advice based on applying for a mortgage? Five years ago I got a default on my account and have worked tirelessly since then to build up my credit score. I'm now at 811 with Experian and my financial adviser tells me I should be fine getting a mortgage with this score (hence maybe not getting…
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Settling a Defaulted account?
I have an old account with a default date in 2011, so I know it's set to drop off my report next year. I'm currently in the process of trying to clean up my report and improve my score, and was wondering if it's worth paying to settle the account now or if I'd be better off waiting for it to drop off instead. Also, does…
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Credit file help
So. Last month, July, Vodafone wrongly defaulted me on my credit file, I complained and disputed it on Credit Expert, finally after 3 weeks they had removed the default from the file. (initially after my 1st default which is very valid and should really stay there as it was my fault!) I've checked noodle and equifax as…
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My credit score wrongly says I've missed a payment, when I haven't.
I took a loan out with my local credit union (Castle and Minster) in September 2014, after about 3 months the Union went into administration, after which the debt was taken over by administrators Leonard Curtis. My payments continued as before without problem and after the debt was paid off in May this year I received a…
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Improving credit score from abroad
Hi all, I'm a UK junior Doctor planning to emigrate to Australia in the coming weeks. I was't particularly responsible with my money as a student and this was reflected in a failed Santander loan application in 2014. Since then, I've worked hard to improve my score using simple measures such as responsible, regular use of…
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Will settling a reduced debt negatively affect my credit score?
I will be getting some money this week and i plan on using it to settle a credit card debt. I emailed MBNA and explained that while i plan on settling my debt with them i wont have enough to settle the full amount and asked about them reducing my debt in order for me to pay it off in full. They replied and said they would…
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Pay monthly vs. credit card ?
Hi, I am pondering whether to buy a new sofa or not. The store I want it from is the range and they do a pay monthly scheme through Barclays, 20% deposit on the sofa then the rest spread over 12 months with no penalty for paying off early. Now a few friends have said it would be bad for credit and to get a 0% credit card…
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Is there any way to remove a default from a credit file?
I was wondering if anyone could offer me any advice on removing a default from a credit file? My girlfriend has got a default on her credit file that was registered on the 29th of June 2016 owed to Paypal. I am willing to pay her balance in full and immediately but from looking around on the internet it doesn't seem like…
