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Do loans/credit cards help your rating?
As the title says, do loans/credit cards (and obviously repaying them) help your credit rating? It's something I've heard mixed things about over the years and having just looked at my credit rating, got curious. My credit rating is carp right now and the other month I was offered £50 loan, I didn't need £50 as I was only…
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CCJ question
Hi all. I am currently paying off a CCJ. I have been paying it monthly for about 5/6 months. Soon (within the next 6 months) I will have it low enough for me to ring up and pay the outstanding sum. My question is, How will this affect my credit score in the months after I have settled this debt? And more importantly, how…
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Just To comfirm...
Hi. I have just been on Noodle to check my credit score. I have just noticed a default on there that I vaguely remember. It was dated 07/12/2010 which means its almost been 6 years. Does that mean that on the 7th of December this year, that will be removed off my Noodle account and all other credit reference agencies?…
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APR question
I understand when a bank does a credit check they see the credit available, and credit card spending patterns. Do they also see the APR of these accounts? And if they do, does it help to have a lower APR? Thanks!
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Paying Full defaults
hello. If I Pay off Defaults in full that are from 2012 (Default date) what increase can i expect on my score? Also Can I request that with full payment the default mark struck from my credit file? Thank everyone. Marty
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Callcredit and Equifax incorrect financial associate spelling. Experian correct.
Background: I have checked my entry on the electoral register with the local council which I found to be spelt correct, as are the numerous polling cards I've received over the years. Firstly, my issue with Call Credit / Noddle Having secured a statutory credit report from Call Credit, I found they have my forename spelt…
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Will closing credit cards & current accounts increase or decrease my credit score?
I know people say that credit scores don't really matter, but I'm somebody who follows mine and wants to keep it in check. I'm 20 so I have limited credit history. I wanted a card that I could use abroad at no extra cost, and I was rejected for the Lloyds Avios one I wanted, and the next one suggested to me was the Aqua…
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CCJ Reduced settlement offer.
I have a CCJ on an account that I refuse to recognise. Someone took out a mobile contract in my name and ran up a bill. As I worked out of the country for long periods I never knew about the CCJ until a few years later. The CCJ is now obviously affecting my credit. It has been sold to another company who offered a reduced…
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Moving products after clearing debts
Over the last 3-4 years, I accumulated about £10k of debt to help fund a startup business and to ease student budget woes. My account choices were focused on paying essentially no interest on this and I secured long interest free deals from Santander and shifted funds around on other accounts. I want to leave Santander…
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Aqua Card Default
Hey, Today I have received a letter from Aqua. The letter is to tell me they have issued a default and apologise for not giving me 28 days notice back in 2013 when it was issued. They have asked if I have suffered to any detriment because of this. Am I right in thinking it is illegal for them to issue a default without 28…
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Phone provider error- is my credit affected??
Hello Firstly I should say that I really don't think I've ever done any reasearch or reading up on credit ratings and never felt that interested so apologies if this sounds very stupid.... I am now looking to apply for a loan for my wedding so we can get stuff booked but I've had a very unfortunate incident occur with…
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Adding this note to my credit file
Hi folks. On my credit report I have a default from back in 2012. Extremely frustrating as it's just for £12.50, and the whole reason is because I asked the company (mobile carrier) to not renew my contract which they accepted, and I then cancelled the direct debit but they seemed to just ignore it and take a new payment…
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How long does the electoral roll take to update?
My fianc! registered to vote in June this year. Looking at his clearscore report last week under the electoral roll section it still has him at his old address. He is definitely on the list at our new house as we had the yearly vote census letter and we were both on it Should his credit file have updated by now?
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Arrangement to Pay/Credit rating/New cards.
Hello. I currently have an Arrangement to Pay in place with an existing Credit Card which has been in place almost 4 years. This was set up after I lost control of my finances after being made redundant - I contacted the bank in question, discussed my problems and arranged set up the AP. My credit rating because of this is…
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HELP NEEDED: Business Rates Fraud
Hi, I used to live in Waltham forest in London until 2012 but moved out afterwards after selling the property we lived in. Early this week, I received a "Business Rates Bill" from Waltham Forest demanding payment of just over £19,000 for unpaid business rates between April 2014 to April 2016 in regards to an office about a…
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Electoral Role - Abroad 4 years
Hi Guys and Girls, My wife and I moved abroad for work in July 2013 and will be returning to the UK July 2017 and looking to get our first mortgage around January 2018. I have started to do some credit report checks and I have a bit of an issue with registering for electoral role. When the credit agencies ask my address I…
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Credit rating/ payment day late/ mortgages
Me and my partner are in the process of saving for a deposit and have spent sometime getting credit reports in spotless condition. Unfortunately tonight my gf has logged on to her Very account and realised she is one day late with a BNPL from 12 months ago purchase. They have charged £128 interest immediately. She's now…
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Moved house
Do banks update my details with the credit agencies etc when I tell them or will that only happen when I apply for something with a credit check. We moved a few months ago but still using redirection for some things as the house is a new build and have had lots of problems with the postcode/address not working.
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Is a default on credit files bad for 6 years
As title. Is a default always deemed bad, for the full 6 years it's on your files. Does it have less impact after say 2-3-4years etc providing all other files remain up to date.
