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PLEASE HELP: financial association?
Hi, Would appreciate any help! Just checked my credit report and noticed under "financial association" that I'm still linked to someone on a few accounts that were closed nearly 6 years ago. As these accounts have been closed,are no longer even listed on my credit report (its been that long) and the financial association…
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3 Current Accounts - good idea?
Hi All, I'm trying to spread my money out over a few current accounts to get the best rate of interest, but I've been told this can affect your credit rating. I just did the free credit rating thing on Expedian - and its currently pretty high (926 out of 999) - but if I open another account will it affect it negatively?…
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Affect of late credit card payments on mortgage application
Hi all So I am about to make a mortgage application, but am curious what impact a few old late credit card payments might have. 4.5 years ago at uni I was a few days late with 4 payments to barclaycard over 14 months. Since then I've had credit cards and a small loan and have never missed a payment on anything. I closed…
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Strange debts on my Clearscore report
I have been trying to get myself out of debt after being stupid when I was younger. My Noddle report shows very little debt at the minute which matches my StepChange account. However, I signed up for ClearScore and there are two debts on there from Hillesden both for over £2000 each. I have no idea what these are and it…
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Frequency of lender updates Experian
Hi, Trying to do the long story short and need your help please :-) Experian have surpressed an inaccurate delinquent marker on my credit rating caused by Vodafone which dropped my credit score down to 540 (poor) so i held off trying to get a new mortgage deal in case i got refused and would then have that black marker on…
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Mortgage after IVA
I entered into an IVA in 2012 and settled it early in 2014. Now we're looking to move house asap so will need a new mortgage, aiming for 2018 when the IVA disappears from my credit file. Current situation is no debt, mortgage up to date and never had any issues with it. Have mobile phone contract and things like utility…
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Next Online Shopping - credit limit
Hi all Does anyone understand how the next credit limit online works? I placed an order an order the other day with them and was told it had been paid for when I collected it from the store? I don't really understand as I did not, at any point, say I wanted to open store credit or anything. I assumed I would pay when I…
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What can Information Commissioner do?
I need the format of my home address changing on my credit file with Experian. Can the ICO make them do this?
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The mad, mad world of credit reporting
How's this for sheer stupidity, brought about in part by credit reporting but also because of a bum retailer? One of my lads has just moved, so as you often do when moving house he went to buy some furniture for the new gaff. Needed to get a large sofa on credit, so went to Barker and Stonehouse (they are big in the…
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Long Term Debt, just checked ClearScore - nothing showing
never mind
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Removing default
Can anyone advise if O2 are likely to remove a default for £150 and £300. I am hoping as they are small amounts then there might be hope....
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Default Date
Hi, I have a default from Provident Financial. The account start date was 01/10/09, default date 04/04/11, default satisfied 31/05/11 and default balance was £277. Am I right in saying that it shouldn't have taken that long to register a default? Any help would be appreciated Thanks Amy
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Missed loan payments
In 2008 I lost my job and missed a few loan payments. I admit I hid my head in the sand a little bit and eventually the loan was passed to the banks in house collection team. I made an arrangement to pay the loan and the account is now settled. I paid the full amount including interest. During the time I was paid the loan,…
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Does your RM PAF address need to match the one used on the Electoral Role?
Hi all, After recently moving home, I have checked my credit reports and when I use their PAF system to find our new build home, the credit reference agencies are cutting out the name of the village from the address. Example: Royal Mail Address: 123 Example Street, Example Village, Town, Postcode Credit Reference Agency…
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CCJ Complaint
Hi Does anyone know how to complain to the court about a CCJ, I didn't know that if you pay within a month the CCJ is removed. I thought that a CCJ was put when you didn't pay or offer to pay. I also understand that court was supposed to advise me when to pay, I didn't receive any letter. I offered to pay a creditor in 4…
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Missing default
Hi - hoping for some advice really. I defaulted on a student overdraft in I think 2012. As soon as I realised I settled the outstanding balance immediately in full. This was registered under my maiden name. I have just signed up to experian in my married name expecting the link to have been made between my maiden and…
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contact number for HSBC credit file dept
Hi Does anyone have the contact for the department at HSBC that can amend errors on credit report?
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Not sure what to do
Got back from holiday last week, and found a letter saying I had been declined a credit card from Debenhams. I never applied for this card, so was worried someone was trying to steal my identity or something else fradulent. I immediately signed up for Experian to see my credit report, and the search doesn't show up.…
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Electoral Roll and address format with Experian
Ok I've edited this to make it a little clearer. I've not been showing on the electoral roll with Experian since I moved here a year ago, and have been asking them to sort it over and over. I received an updated copy of m report from Experian in the post to check if it's now all correct - and it doesn't seem to be. On my…
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Need advice!
Hi all, Tried applying for TSB 0% credit card this evening. And declined! Initially, wasn't sure why as I have a £36,000 PA income, have a joint mortgage (approx £190k), no late payments, limited outstanding balance on existing card (less than £100) and PCP agreement. So I would say my risk is low as I'm not overstretched…
