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CREDIT REPORT ERRORS..please help
Hello I have a credit report through creditreport.co.uk who I have used for years and my scoring is very good, last updated 7/09/16. However, still unable to obtain a loan. I have just checked my credit report on Noddle and my score is showing POOR . I have not missed a payment in 6 years, I have no CCJ’s in past 6 years,…
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I thought I was savvy!
All I think I am pretty savvy online but on checking my bank statements this morning I see two charges one from a company called YOUR SOCIAL SUMMARY and another called MONEY EVERYTHING. They have taken £59.50 and £29.50 respectively and neither can give me the route from which they gained my details or good reason to have…
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Questions about Noddle.
Hi Guys, Following on from my first post on the forums here, where I needed information about damage I'd done to my credit file, I've now got a question about Noddle. A very helpful user previously suggested I could use this site to check my credit file and ensure everything was in order, and to help gain a better…
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Worried about identity theft after having to leave the country
Long story short, just before leaving home for overseas work I found out Mrs had an affair. Too short notice to actually act on it. I changed as much of the utilities to her name as possible, closed a shared bank account, etc. In the meanwhile I've found out, two weeks leaving, the guy is living with her. Shes quickly…
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credit file repair
Hi guys i need a bit advice basically my situation is i owe 16550 approximately i have an account with checkmyfile.com and my credit scores are around 490. The issue is i have a hell of a lot of small debts and 4 debts that are around 1500-2000 plus each then i have one thsts 5500. Step change are paying a lot off my…
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Credit Score held back by Affordability Score
Hi guys I nearly have a "Good" Credit score as below: As you can see, I am borderline between fair and good. But affordability score is the lowest it can be. I have plenty of disposable income.... Whats happening here? :P
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MSE Credit Club showing court data but not on my reports
Hello all, first post so please be gentle. I had an IVA in 2008 and was removed from my record in 2014. There is no reference to any court data on either noddle or Clearscore, however when I ran MSE CC it shows the following : "You've either got one or more recent or uncleared County Court Judgements (CCJs), or you're…
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Effect on credit file of opening multiple bank accounts
[FONT=Helvetica, Arial, sans-serif]In an effort to maximize interest & switching incentives, I've opened several accounts in the space of a month. In total I opened 11 accounts throughout September. 5 of these were purely "donor" accounts which would be switched out to other banks to satisfy account or intensive…
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Question on Defaults
Hi All I'm after some information that I just can't seem to get the answer to, even after contacting ICO. With a default being placed between 3-6 months, what date does that timeframe start? I have a default for £28 (yes, i know, this is due to the account being closed but apparently it wasn't). The last payment date was…
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MSE Credit Club (Experian) different to Experian score
Both powered by Experian, my MSE credit club score is 696 and my Experian credit score is showing as 911. MSE CC is showing very low affordability and very little chance of getting many cards, where as my Experian is showing high affordability and high chance of getting cards. I'm not actually looking to borrow in the…
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Disposable income and credit rating?
Hi I'm struggling with improving my credit rating, I have been monitoring it through various companies and the fault that keeps coming up is I don't have enough disposable income, which I do. Where do companies get info on how much I am earning? How can I amend it? Any help greatly appreciated.
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Partners late payment & how it affects me
Morning all, Found a mixed bag online already so I'm looking for some clarity. The long and short of it is, I bought a house 2 years ago and have a joint mortgage with my partner. She has just paid another credit card bill late and I'm concerned about how it directly affects my credit score. We're both 30 however I've…
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default date query
My Husband carried out a credit check a few years ago on Noddle,the rating was poor but we understand that after 6 years it is seen as cleared and he can begin to improve the rating. Unfortunately, when he logged on yesterday a new debt has appeared on the report which says default. The debt was taken on in 2010, he…
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Promise to pay vs default
Just looking to see if anyone has any advice or may have been in a similar situation. Back in Oct 2013 I moved properties and told the utility company my forwarding address and last meter reads. I received a rather high final usage bill and at the time didn't have that sorta money laying around. I called the utility…
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No credit history, wanting to build one- advice wanted
I've just graduated University and am in a full time job at the moment. I have zero credit rating to my knowledge (apart from my student loan debt and a small interest free overdraft of £1500 which is gradually being reduced). In the medium term future I want to buy a new car, most likely on one of those very attractive…
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Credit Card to improve rating
I have been considering getting a 0% interest credit card to help with my credit rating. I am wanting to buy a house in the near future and have heard it can be a great help if you pay it back straight away. Is this true? Which card is the best for this? Are large purchases (such as a new laptop) better or small everyday…
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CCJ at old address despite having the new one.
I got into some debt some years ago and only about 6-7 months ago started paying it back. A lot of the debt is with Lowell. I have been making regular monthly payments without fail. I moved in April but immediately updated them with my new address. By chance I checked out my credit score this morning and found out that…
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No default notice
Evening All. Hoping someone can help. Background A couple of years ago I got an Evans credit card (Newday). All was well until I split with my OH and went through some predictable financial upheaval. Recognising I could no longer meet my obligations (having a couple of late payments/late payment letters) I contacted…
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Will tidying my bank and credit accounts up impact my score?
I'm 20 and I've had my First Direct account just over two years now and I consider it my main one as I keep most of my savings in there. I later opened one with Lloyds Bank just to have a spare account after I was victim to a fraud attack. Then earlier this year, I was preparing to go abroad for a few months over the…
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CyberSource Address Verification System - transaction declined
I just tried to order some presents from Hotel Chocolat and got this message: Is this anything to worry about?
