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I am not moving anywhere but my address is changing.
Council is forcibly changing the address of my house. Are the banks and credit reference agencies going to think I have moved very recently and I may be declined credit or offered less at worse terms? Also when applying for credit and it is asking there about any addresses I have lived at in the last 3 years if I put the…
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Default date question
I defaulted on a loan 05/07/2011. I settled the balance off in July 2016. As you can see from the picture below from noddle, every month since the default, a default marker has been applied. My understanding was that in 07/2017 this default would drop off my file after 6 years, however because a default market has been put…
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How often do lenders usually update credit files?
I'm just curious, does anyone know whether creditors usually update account balances monthly or can it sometimes be longer? The reason I ask is that I completed a balance transfer in early August and although my new card balance is showing, the balance is still showing on my old cards. I can see several accounts have a…
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Unauthenticated Experian check
How difficult / easy is it for a check to come back as unauthenticated? Would it mean they are not on the Electoral Register? Have never made any credit applications? What are the implications of being unauthenticated? Thanks
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Credit card declined-irony at its best
Good morning all, My apologies if this is a worn record but I'm hoping somebody can offer some guidance. I'm looking to buy a house in the near future so in an attempt to improve my credit score (it was a 'fair/good' score) I applied for an Asda credit card. I did the usual pre-lim checks and all was good! But after the…
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Can too many bank accounts/credit cards lower your score?
At the moment, I have three current accounts, two overdrafts and two credit cards. I have a £1000 overdraft with First Direct, a £500 one with Lloyds Bank as well as their Avios credit card with a £750 limit, and then just a current account with Halifax. And then I have an Aqua card with a £1050 limit. The Aqua card was…
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Settlement figure offer to Payplan ...
Hello I have posted a very similar thread a few months back, but cannot find it. Please accept my apologies.:) I have a breakdown this time ( I haven't broken down yet).. So: Barclays £986.39 ( overdraft ) Barclays £6,769.03 Mint card £5,896.22 ( Nat west/ rbs, and passed over to wescott) Santander credit card£1000.02…
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Credit Reports
Is it a matter of preference or do they all hold the same information? Need to access it to ensure I 'know' my creditors but don't want to have to pay the fees as I am not a newbie!
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Scottish Power Up-Front Payments
From the Telegraph: http://www.telegraph.co.uk/bills-and-utilities/gas-electric/new-scottish-power-service-lets-you-pay-upfront-for-days-of-fuel/ Paying up front? So they won't be smacking you with a credit check or reporting your account activity - will they?
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Problem with credit card application
Just tried to apply for a new credit card and have been refused which is bizarre as my credit rating is excellent and have never been refused credit of any sort. The only reason I can think is that all applications have been to my old address and, due to my own forgetfulness, I never really updated my addresses. I then had…
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Received my Experian credit report
Hi new here so first of all id like to say hello :) So i just received credit report from Experian and tbh i don't understand fully... It shows me a creditor i own money to and gives me the amount ect so i will contact each creditor and and try to arrange a payment plan or offer to them all but i do still have a few…
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Computer maintenance Job HSBC requiring credit check
Hello everyone, Recently applied for a contract job building up system computers at a HSBC building. They require a credit check and I am slightly worried my many current accounts and recent credit card application may look bad? I recently had 2 current accounts refused, first direct and m&s. When HSBC perform this credit…
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Policing the Credit Agencies
Collaboration between credit reference agencies and banks etc. is limited and incomplete, and the agencies' information is inaccurate: having had a card application rejected I got on big E's free trial and found several errors and omissions e.g. E says I'm not on the Electoral Roll, but the other big E has me correctly at…
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Advice re british gas amending data on credit report
Hi, Just looking for some advice please. Having recently checked my credit reports due to applying for a morgage i was shocked to see defaults on my account since 2013 to British Gas. Basically i left them , had to pay final balance which i did via debit card . To cut a long story short they didnt allocate it to my account…
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Should you lie on a credit card application form?
I'm 50 plus, I have no depts. I have 3 credit cards and they get paid off every month, so I pay no interest. I got made redundant a couple of years ago, so we have no mortgage. I have in today's view a reasonable amount of cash in the bank, but officially I have a very low income. I don't get my pension for another couple…
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Experian - future dated?
The information on my report is out of date - fair enough, they lag behind by 4-8 weeks. But why does it state that a recent change was updated with a date of 18/09 ... that's right 3 days away! It also is hard to find info on when the next update is due but that's just an observation that i'm not bothered about really.…
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Bank Balances
Hi. I wondered if anyone could help me understand whether my actual bank balance could or does show up on my credit file and if any other financial information, such as payments from / into my bank account show up? Does having an overdraft affect any of this? Thanks, SLC
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Shop Direct
Hi Can someone help me please? I have a £36 default for shop direct on my credit report which dates back to 2014. I haven't got a clue what this is about but am happy to pay it if it helps. The thing is, I don't know who to contact to offer too? Does anyone have any advice please?
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Very very confused
Could someone please enlighten me I am an avid watcher and member of Experian (cos they do make mistakes) so I am familiar with what makes a good credit score. I currently have a score worthy of several good credit cards and recently applied for one (MBNA). I did the Martin Lewis Eligibility Checker as well as the Experian…
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Hi
Hi all Just wondering if you can help me a friend of mine has been in debt for years and I'm not sure she's paid anything off for years .. :eek: now all she keeps doing is wanting to apply for another credit card but I've explained it might not be that easy ! She keeps on going on about how the debt drops off I just want…
