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CCJs showing as not satisfied.
I had 3 CCJs against me. These were satisfied in March 2015. I received a letter from my creditor as evidence for the courts. They were all with the same creditor but at two different courts. I looked at my Noddle credit report the other day to see that two were still saying unsatisfied. After contacting the two courts,…
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Updating a CCJ status on my credit file.
I have a CCJ from 23Dec 2010. It was settled in full in July 2012, however I have only just realised that it is not showing as settled on my credit file. I called Northampton county court to see how to get this changed to satisfied and they said they need confirmation of the debt being settled. I called Argos who the debit…
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Closing my Aqua Card has seriously damaged my credit score?
I know credit scores as in the numbers aren't what lenders see, but here's the situation. So I was 19 earlier this year and was looking for a credit card that I could use abroad for no extra cost, and I was rejected for the Lloyds Avios and the Halifax Clarity due to lack of a credit history, and so I got the Aqua Advance…
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Black Horse - Took CCJ out against me when they owed me money?
I had a motor finance agreement with Black Horse. In Feb 2014 they gained a CCJ against me for approx £700 owing against the car (I had paid over £20k during the agreement but had lost my job). I was still paying this back to them when in Sept 2016, I received a cheque for £950 from them which the letter said was due to…
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Terrible credit - need some help...
Hi folks, Due to some bad decisions in my past by living outwith my means I was up to my eyeballs in debt through payday loans, credit cards etc. I completed a trust deed a few months ago which means I am now debt free. Ill never make the same mistake again but it would be nice to have access to credit if it was needed. I…
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What exactly do lenders see when searching for credit?
I've posted numerous threads on here out of curiosity regarding my credit score and the way it works and most people advice not to worry about it as lenders see different things. So my score has dropped these past few months due a few credit applications, due to a few changes I've made, new credit card, new phone contract…
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Acceptedfor credit good?
I wanted to check if I was eligible for credit for finance on a car so I applied online and was accepted. I may or may not go with the same company but could this have an adverse effect on my file if I'm shown to be applying for credit multiple times from 2 different lenders in the space of a week even if it's positive?…
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Barclaycard app problems
Apologies. Please ignore. Posted in wrong section.
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Default removed and made worse
Hi, I've had a credit card default removed from my credit file but they have given me 3 years of 3's as the status with Experian. With Equifax it is two 2's and one 3. The default was removed as I was in hospital for some time but it's bizarre that they have made my credit file much worse with the monthly 3's. Any advice?
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Vanquis gold card
My husbands bankruptcy ended September 2016. I had a DRO which ended the year before. I have recently applied for and received a Vanquis Chrome Credit card on which we are going to put the shopping once a month and pay it off in full when the statement comes to move our credit scores up. We decided to get a different card…
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Get rid of Capital One credit card?
Hi all, So I have just received my new HSBC credit card with a £5,500 limit, to my surprise as my only other card currently is Capital One at £200 It's been a long 6 years of clearing stuff off my report but I finally got there, the HSBC was my first app since so I am rather proud and happy that I stuck to it all this…
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Building credit
Hi all. Thank you for reading. I am sorry if this has been asked before but I need some advice please if its ok. I have bad credit and I'm trying to build it up as much as I can. I couldnt get a contract because my credit declines. Today I was accepted for a 12.50/ month contract. Which I can very comfortably afford. If I…
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Credit file balance differs to DCA
Hi I have a balance outstanding relating to a bt account which I disputed with them and lost. The account got passed to Lowell/ credit resolve a while back and I offered £5 per month out of spite. My clear score and noddle both showed a balance remaining of £20 in October and I paid £20 to clear it. They are now saying…
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Default & CCA Problems.. what next?
Hello, I hope someone can help me here as I hear it's a great forum. I have two defaults on my credit from from October 2011 and I've tried to get them removed. One company sent me a copy of the default notice and the CCA, so I believe I'm pretty much snookered with this one, however if the remaining debt is 2k, what would…
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Purchase credit card harms credit score?
Hello all, I want to buy a TFL annual travel card for £1200. I was thinking to get a new credit card for purchases and then split the spend by 12 months so each month I pay back the debt ( so will be paying around £120/month which should be over the minimum monthly payment) Is this going to harm my credit score? I already…
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Stuck with bad credit? I don't know what to do?
Hi all, so here goes, I really hope someone who can advise. I have a bad credit score, "poor" on experian. I have no idea what to do to increase it. I'm registered to vote from my address, so that's not an issue. I've got no long term or short term debts, another reason it says on clearscore is that my oldest credit…
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Setting aside a settled CCJ
Hi, Just a quick query. I have two CCJs on my credit file. They are both from the same debt and have both been settled. But I had no knowledge of the 2nd case as correspondence was sent to my old address, which was the fault of the claimant's solicitor. As soon as I found out about it, I made steps to start paying it back…
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Barclaycard accounts opened before 1992 are not registered with CRAs
Hello Clearscore gave me one negative when I recently checked my credit rating - no active credit card in my name. However, I've held a Barclaycard since 1983 with a current credit limit of over £8,000 which has been the only credit card I've ever held. Barclaycard have since confirmed to me in writing that only new…
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Was going to cancel credit card but account stability?
Hi, I was just about to cancel my unused credit card (1 of 3 I have currently), but the credit club on MSE shows amber under Account Stability with this explanation - The average length of your financial relationships is less than six years. Remember, this isn’t just bank accounts, mortgages, loans and credit cards, it can…
