-
Staff application error
Hi all, Hope someone will be able to advise on this - I applied for car finance recently, and due to the ineptitude of the new young salesman, my application was declined. Twice. Third time when he finally had all the information right, I was accepted. However, I wasn't made aware that my application had actually been…
-
CCJ applied without my knowledge
-
Clearscore rating
MoneySavingExpert Insert Jan 18: Hi everyone, if you're looking for info on Clearscore our Check your credit score for free guide may help you. Back to Ara1985's original post... ---- I am currently applying for a mortgage and checked my Clear Score profile today which is showing 544/700 Can anyone tell me if this is good…
-
Very poor Credit Score
Hi all :) So good news is that this time next week I will have paid off all my debts! Bad news is that I got my credit file and my score is very very poor (less than 200) :( I have 2 defaults and one delinquent on my file....I know that these balances will all go to 0 and be marked settled when I have paid off all my debt…
-
To add notice of correction or not?
Hi, I missed a payment by 4 days on my Sainsburys Credit Card in December (my Daughter was in hospital). I didn't have a DD setup on it as I only use the card for occasional food shopping so there's never a lot on it and I have a diary entry to pay it (I have DD's for all my other credit accounts, etc). I have other cards,…
-
default - information please
Hi, i've got my first two defaults coming off in the next 30 days. Once the time has trigged over 6 year i believe these are removed. Bit of daft question, if and when i get searched in the future, will this come up during a search? Also with one of the defaults i make monthly payments which i will continue to do so after…
-
Rules for defaults?
My partner has asked me to do some digging today, for evidence to support a phonecall she will make later. The issue we have is that she has a default on her credit file for a credit card, which she is routinely paying a certain amount back each month. The balance was initally 1500 and it's now down to about 800 left so…
-
Incorrect Default date - Motormile Finance
Hello, I am looking for some advice. I applied for a mortgage in December after receiving a Decision in Principle earlier this year. I was disappointed for the application to be declined based on my credit file. I got a copy and noticed that a default from 2012 with Motormile had been moved to 2016, which is likely to be…
-
How long till score affected?
Hi all - My wife and I have been overseas for christmas, and had trouble paying two of our credit cards' bills while we were away. Coming back, we've been billed for late payment for each card, which is fair. However, we've just realised that we plan to take out a loan for a new car and are now worried our credit score…
-
MSE Credit Club logging in problem
Hi all I wondered if anyone else is having any trouble getting in to their MSE credit club account? I successfully registered several months ago and I was getting access and reports etc every month without trouble. Then for some reason, when I received the email last month saying they had updated my credit scores, I am no…
-
Credit Rating and Divorce
Hello, I got divorced mid last year. The only financial link between myself and my ex-wife is an old joint bank account that has a very large overdraft. This is not in dispute between us at all however I cannot afford to pay it off and close it. I have very clean credit (job dependant) however my ex-wife no longer does as…
-
Financial Associations
I recently applied to the Nationwide BS for a £10,000 loan for home improvements, which was turned down due to a financial association I have with my partner through a Santander joint account we use to cover household bills. Fair enough, pending further consideration maybe - but the detail of the situation has frustrated…
-
Improving credit score for mortgage application
Hi all. First time poster so go easy. I have recently been saving loads (working 2 jobs) and saved about £2300. My parter (student with no income) and I wanted to buy our first home. Seen one at 45k, which probably get for 40ish as been on market long time. Thus I have the 5% deposit however my credit score is bad ( about…
-
Can somebody give me a little advice about 15k worth of debt?
I would really appreciate a little advice on my current situation. I'll try be brief. I found my mum dead in her flat 6 months ago and went into shock which lasted for a good 5 months. I'm seeing a therapist and thankfully have not succumb to depression. I was left with the funeral bill (region of £3k) and a couple months…
-
ClearScore - someone registered an account with my email
I had an email come through today welcoming me to ClearScore. Yet I had NOT applied for an account nor do I have any interest in doing so. So I went straight to their website (I never click links on unsolicited or suspect email) and yes there was an account using my email address. Straight away I requested a password…
-
6 year old debt won't go away! Help!
Hi all. Iv just checked my credit report to see an old United utilities water debt. It's under closed accounts but iv got red marks saying this debt is dragging down my score. It was opened 1/2/2010 but it doesn't say defaulted or settled it just says updated June 14th 2016. Why has it not gone yet? It's over 6 years old.…
-
Last Updated date on experian
Hi Is the 'last updated' date on experian the date the file will update each month? Is there a way to ask for it to be refreshed or updated quicker? Thanks
-
Son's loan on credit file
I've recently checked my credit report for the first time and found out that my Son's car HP shows up as a loan and is included in my overall long term debt. The HP was taken out for £15000 in 2014 and he asked me to be a guarantor. I can't remember why I was required - it may have been the loan amount or it may have been…
-
Littlewoods / Lowell Portfolio Default
I have a default on my credit file but I'm pretty certain the default date was registered much later than it should have been. I've been trying to get hold of my old Littlewoods transactions from circa 2011 but having difficulty getting anyone to get back to me. I've just opened a live chat with a Littlewoods advisor who…
-
Incorrect Talkmobile information on Experian
My wife just tried to get credit and was told there was an issue. We signed up to Experian to find out what the issue was as found an incorrect TalkMobile delinquent account for £5 that had been there for about 14 months. This has caused her credit score to go to very poor. When we contacted TalkMobile they saw that the…
