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Can I get my default removed?
Hi, I'm new to this so bear with me. I got a default on my account from an unpaid student overdraft. I had spoken to the bank back in November as I was very unwell and no longer able to work, they put a hold on my account for 6 months so I would not have to pay anything and we could re-negotiate after this time. It's…
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Can i remove closed account.
Hi there. I'm hoping someone can offer some advice regarding a personal loan that I recently applied for an accepted. I recently took out an unsecured personal loan to consolidate some older debts that I had. A couple of days after accepting the offer and receiving the funds, I decided against the loan and cancelled with…
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Car insurance - pay monthly or in full?
Hi guys My car insurance is due next week and I'm currently 4 years after being declared bankrupt so everything I do at the moment is about repairing my credit report to the best I can, is it best for me to set up my new policy on a pay monthly or as an outright purchase? I haven't got an issue with regards to the monthly…
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Removing an unfair default
I joined the creditclub and discovered my score was very poor. I was surprised as I have always paid my bills. After looking into things I realised it was from Vodafone who had overcharged me on a final payment. I had been phoning them for 9 months trying to sort this out not realising that this was to be classed as a…
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MSE credit club
I joined the MSE credit club my score is 987. However my affordability score is in the red.....very poor! Apparently is my debt to income ratio! Now this is odd, I have no debt just my car on a PCP which is well within my budget. Both mortgage and debt free and credit card paid off every month, less the £200 per month. Can…
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what else can I do to improve my credit rating?
My current credit score across experian and noodle is in the fair range; I've been on the electoral roll with no gaps since 18. I have had a card with aqua for 6 months, used about 1/3 of my limit each month and paid off in full each month. I have had utility bills in my name and never missed a payment for the past two…
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Noddle
I can't register with Noddle because my short term memory is poor and I can't answer the questions like how long ago did I have a new mobile contract. How do I contact them to prove who I am?
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ClearScore Credit Score
A year ago I decided to open a ClearScore account to monitor my credit for me and in the beginning it seemed fine with a good credit score (whatever that means). 6 months ago or so I applied for a mortgage, got it approved, moved into the property and ever since my credit score has been tumbling down without me really…
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Getting credit report in the best shape
Hi there, I have a pretty poor credit history. I have defaults in the past (one a year ago, one four years ago) and a history of payday loans and missed payments. I got into a lot of debt when I was young and buried my head in the sand for far too long- however eventually I got help and am now debt free. I am much better…
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Help with the 3 main credit reference agencies
Hi. I am having a little trouble understanding the 3 main credit agencies, Experian, Equifax and Noodle. On Experian there is no debts on there. Just shows that my score is low On Equifax it shows 2 debts. i am currently paying these 2 in which i am in a payment plan with, Both are defaults from a few years ago. Noddle…
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Marks & Spencer created a financial association on a non-joint application
Hi My girlfriend applied for an M&S Money Credit card in 2014. She got rejected. Two years on I have discovered M&S linked us financially from this application. M&S replied: "When a customer applies for a product such as a credit card with ourselves, we ask if they wish to include their partner’s details in the…
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How important is the age of held accounts
It is often suggested that holding accounts for several years is a good thing when it comes to applying for a new product. In general terms, how important is it and what is considered a sufficiently good duration? In short, I want to close my oldest accounts and this would be the key reason to keep them open.
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Credit scores not matching?
Experian Credit score via MSE and Experian themselves are different. 906 on Experian 999 on MSE Credit Club. Why is this different..? Thanks!
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Credit report showing account Orange/EE insist does not exist
Hello, I've been studying my credit score and report ahead of mortgage applications. In both my Clearscore and Equifax reports is a telecomms account for Orange, which is showing as active every month (fortunately showing as paid in full every month). I haven't had an Orange account for many many years - I cancelled my…
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searches I don't recognize.
Just checked noodle and there is a credit search from some thing called instant cash loans Ltd. I 've not applied for anything like this and want it removed. I can't find a address or anything for this company. What do I do please?
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Court papers advice
Hi, Looking for a little bit of guidance please. In July a company I had previously bought services from contacted me quite out of the blue to say I had overpaid an invoice (double paid it) and was due a refund - at the time I queried it strongly because I didn't recall doing so but they were adamant and a refund was…
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BG Default Date & Statute Barred
Hi Long story short, I left British Gas (Electricity) in Sept 2010, on the back of an argument/complaint over estimated bill. The last time I paid/acknowledged was July 2010. I've since received several letters over the years from various DCA, the last of which being Aug 2014 and ignored them all. I've heard nothing since.…
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Quick Quid - helps or harms a credit score?
Hi all, I'd appreciate your expertise on payday loans such as Quick Quid etc. I've got a couple of friends who say two different things - one claims that they mess up a credit file even if the loan is paid off in full and on time or early, and the other one tells me that these loans help to improve credit scores especially…
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Please help - Barcley Card
I don't know whether to cry or scream. We have just seen a house we would like to buy (first-time buyer with family) and checked my partners credit record to find a long term issue, I just don't know how to resolve. She had a DRO (debt relief order almost six years ago). Since then an excellent credit record. At the time…
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Black Horse Ltd
On my linked addresses of my credit report there is a Black Horse Ltd listed at an old address for me dating back to 2007. Cant for the life of me remember who this is for. Is it going to be Lloyds or someone else. I am just going back through my records to see if I have been charged any PPI and want to find out who this…
