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Different Electoral Role Address and Financial Address
Hi there, Since finishing University I have had all my bank details registered to my parents, however I recently moved in with another family member for work where I eventually registered on the ER to vote (I havent been on the ER at my parents since Uni). As far as I see it my address of permanent residence is my parents,…
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Pros/Cons of adding old addresses?
Hi What are the pros and cons of adding old addresses to your record with a Credit Reference Agency. The ones I've checked only have my current address. Welcome your views. CAH
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CCJ after Bankruptcy
Hi everyone not sure if this is the right area to ask this question but just been checking my credit score on Clearscore and noticed i have a CCJ dated from 12th September 2016, and I went bankrupt on 23rd August 2016 and the debt on the CCJ was included in my Bankruptcy, is there anything i can do about this while I am…
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Credit file concerns
Hi there I am pretty new to looking at my credit score/file however when looking today I have noticed that there are two checks on my file that confuse me. I have seen someone called Wage day advance did a application check last month when I have never heard of them and also it shows I was searching for insurance quotes…
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Credit Report
I have just been refused a mortgage. I have viewed my credit report with Experian and Equifax. I defaulted on a credit card nearly 6 years ago. The balanced was settled the month after I defaulted. Since then I have never missed a payment on any credit cards, bills or anything. Now my Equifax report is not showing my…
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When will my score rise!?!
Hi all I've recently tidied up a chunk of credit card debt and lower the existing available credit close to what I owe so not to tempt spendings.. I also closed to cards and have two new 0% cards (transferred over away from potential interest). My earnings are good ah for I have no other issues but having looked at clear…
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Credit Report: Deleting 15 year old dormant mobile account
My credit report has a contract from EE(Orange) listed that was created in 1999 and was probably terminated somewhere around 2001. It is connected to an old address. I don't have any details - account number, phone number etc. It shows an impeccable credit history - every month shows "account payments up to date". So from…
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Defaulting with EE since Jan 2015
Hey all, just opening this thread on behalf of a friend, he has been declined car leasing so we thought we should check his file. A little silly of us not check prior. Anyway on the file we found that he has been defaulting since jan 2015, he has no knowledge of the account which was opened in 2013 from what he recalls and…
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Goodwill Letters
Hello all Do goodwill letter actually work to get late/missed/defaults altered on your credit report? I am asking because.... 1: I've been with the same mobile phone provider for about 10 years and only missed one payment, so was thinking of asking if they can remove it in good faith for a loyal customer? 2: Late payments…
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Utilities Reporting
I have utility accounts with E-on (electricity) and British Gas (Gas + Paid monthly Homeserve cover). Neither of these accounts appear on my Experian credit report. I wish to ask the following question to those who have accounts with the same providers: Is this normal (as perhaps these utility providers do not report to…
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Are you hot (financially)?
Test whether mortgage, credit card, energy and other firms want you enough to give you the best deals...Read the full story: 'Are you hot (financially)?' Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum? Intro Guide.
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Best thing to do.
I currently have around £12k in unsecured debt. I am in the process of saving through a work save and shares scheme which will see me with about £9-12k in 6 years time. Now I also have a credit rating of 250 and my wife's is 450. We have not managed our debt well in the past and so have very damaged file (we have learnt…
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Taking out Credit after recent Mortgage
Can anyone advise how recently taking out a mortgage impacts your chances of securing a credit card? I've been wanting to build up my credit score for a while now but didn't want to take any chances pre-mortgage so left it. Recently completed on the house so thinking about it again but don't want to throw a load of…
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Mistakes from the past
Hello, Currently I have a very poor credit rating. I have: 1xCJJ (satisfied) 2 years old 2x defaults (both satisfied) 2 years old I also have a mobile phone contract, overdraft and a credit card. I ensure that I never miss payments on anything and I worked hard to clear my CCJ and defaults. Is there anything I can do to…
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Consumer Information
Hi, What is meant if a company will search for consumer information with a credit reference company ? Thanks
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Credit File
Hope somebody can help me! I have been looking at my credit file and it states that I have a score of 999 but very weak on loans and credit card affordability. I am about to make an application for a new mortgage and I'm trying to sort out my finances. I have a personal loan (£9,500 over 5years £178 pm) and an outstanding…
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Previuos Owners have open credit cards and applied fro loans using our address
Hi there, Hoping someone can help and give some guidance on this issue. Bit of a back story. We purchased our property as first time buyers in July 2013. We knew that the owner had his own business and worked from home. They did not leave any forwarding address but informed us that they had put in place the redirect…
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Closed Accounts and Default Entries
Hi If a creditor decides to close an account leaving a zero balance how should this be reported to the CRA's? Should it be updated to show the account now closed? Thanks
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'Very poor' credit score worry
Hi everyone, Haven't been on here in ages! I'm trying to seek some advice from real people experiencing similar issues or have done in the past. I'm 29, was very silly with money in my teens and early twenties which has affected my credit score badly. It's currently sitting at 382 on Experian which is classed as very poor.…
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Changed Name Credit Check
I've recently changed my name and whilst the credit scores I use (Noddle and Clearscore) noted the change of address but haven't seemed to notice my change of name - though all my banks have it. I changed it in October and told the banks all before mid October, and got new reports at the turn of the month. So should I re…
