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What Do Lenders See?
I have read on here that the lenders don't see the actually score, credit reference agencies give you personally, so my question is what can they see? what detail can they get into as i can see everything from what £ i paid to my credit card that month to my very old financial associations.
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Arrangement vs Deliquent Account
Hi, I ran into a problem with my bank account just over a year ago. I'd moved from one bank to another (Santander to Nationwide) but my new account only had a £1000 overdraft vs £2000 on my Santander account, and unfortunately I was living up to my limit every month. I intended to keep paying some money into the old…
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Credit Cards and Credit Score
Hi. I'm after a bit of advice to help me improve my credit score. I have a number of credit cards, most of which are heavily utilised. I understand that the best way to improve my credit score is to pay these down as much and as quickly as possible. I also understand that it makes financial sense to pay off the most…
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Orange mobile phone fraud whilst in Afghanistan
Hi, Can anyone help please? My husband was in Afghanistan 5 years ago and whilst he was in Afghanistan he had some fraudulent activity on his phone and somebody managed to use £500 of his phone bill. My husband fought this for over 2 years and in the end decided to pay it as it wasn't worth the fight. However as it has now…
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Energy Bill and credit file
Hi, I received my gas and electric bills after the new year but the letter was dated December 20. I paid paid the bills over the phone last Friday but received the reminder letters last Saturday - a day after paying the bill . Does anyone know if this has crashed my credit rating? I am annoyed with myself because I have…
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Credit rating query
Hi, I hope I might be able to get clarification on a matter that I've been wondering about. I am planning to get my first mortgage in the next few months, so am wanting to keep my credit rating as healthy as possible. I am planning to take out a broadband contract for 12 months in my name at my girlfriend's house. Will…
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Credit file and minimal contributions, what happens after 6 years?
Hello all, Looking for some advice on this one.. Around three years ago I borrowed from a huge range of loan providers and payday loan companies. Some of the most expensive loan companies going.. This was as a result of a crippling gambling addiction which I continue to try and fight. My owed amounts must have totalled…
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Creditors and credit file companies
Hi im confused with this but why do most of my creditors share my details with different credit score companies? Most of my creditors are using Noddle but when i apply for credit that company will use Experian or Equifax, where my score is really poor because i only have 3 creditors.
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Applying for car finance and credit rating
Hi I applying for car finance in the very near future and would like some advice before doing so. My current car has just given up on me and it does not make economical sense to repair it! I have a fairly good salary about 44k per annum and am a homeowner with about 50 LTV on my property. I have a good credit rating with…
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Defaults removed after 6 years
Hi, I have a default on my credit file with Barclays The default date was 1/2/2011 so it is due to disappear in a few weeks. I really want this off my report asap as I know they don't update very fast sometimes - I was wanting to write a letter to to make sure they update all credit reference agencies as fast as possible…
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Credit score dropping
My credit score has dropped 60+ points from last month despite paying off my credit card in full (as recommended by Martin). It was the only debt I had. My credit report tells me I've made applications for credit in the last 6 months (I haven't!) So I paid £2 for a credit report, but it really hasn't explained anything.…
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Blackhorse PCP on an Audi
Hi, Has anyone with a 'Poor' credit file been accepted by Blackhorse for a PCP contract? (At the time, I had a couple of default accounts that needed seeing to) However, I was approved by Blackhorse last summer on a brand new VW Polo £15,000+ with a decent size deposit, then I re-thought my options on the car, and have now…
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How can I improve my credit rating?
In April last year, I had a missed BTL mortgage payment recorded on my credit file due to a bank error. I took this complaint to the FOS, but unfortunately they found in the banks favour. It seems to have had an enormous effect on my ability to get credit, namely mortgages. This is causing big problems for me, as I have…
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Credit score not showing any credit?
-- Thanks this has been resolved now! --
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MBNA- Will they update my report for me!?
Just about to put in a mortgage application, I paid off my credit card a at the beginning of the month but my report still shows a 4k balance. I have no idea if this could have any effect of my mortgage application but I would much prefer to put in the application with 0 debt. My mortgage advisor told me they will take…
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Active credit card disappeared from Experian report
Hi all, Strange thing happened yesterday, I realised that one of my active credit cards (open for over 10 years, no defaults, use it for everyday purchases, including earlier today) has vanished from my Experian report completely. It's as if it never existed - no history, not showing "settled", nothing. Anyone ever come…
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How often are Credit Scores updated?
I know everything sits there forever and the past 12 months have a big impact. But I need to reapply for my mortgage I've been missing a few payments on other debts (credit card) but working hard on paying these off now. I've gone to working part time which is an issue so trying to get my score better. Currently sitting…
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Previous Letters Sent to Creditors / Information Request Template
Hi Guys. I written on here previously regarding those alleged 'cowboys' (in my opinion) called Blemain Finance. I have reported them to the ICO for not placing the correct info on my credit reports (never placing an account on Default). Moving forward, the ICO has asked me to supply them details of all previous letters…
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CreditScore Logging In Issues?
Has anyone else been experiencing problems logging into Creditscore the last few days? Logs in the just displays a kind of waiting page, does not load. Its happening with two accounts I am trying to access.
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Poor rating and going forward
Hi all I have a very poor credit score/rating and would not be accepted by anyone for credit. i have 3 ccj's - 2 drop off in 2020 1 drops off in 2018 all 3 are being paid back and will be paid just before drop off dates. Credit agreements I have one defaulted account from 2012 which is nearly paid back. The debt has all…
