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Cant get accepted for ratings building credit card
Hi, I have a poor credit rating but now i have a good paying job am desperately trying to build it back up and hoped to have a ratings building credit card. I have applied for 3 in the last 2 years and not been accepted for any. Is there a specific reason why this might be and are there any cards that i might have the best…
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Woohoo - 5/5 at last !
I just checked my Noddle credit report - I'm at a 5 / 5! Take a look ... The last 8 years have been a struggle - dealing with debt collectors and credit card companies. Add a divorce into the mix. I must admit I shed a tear or two when I saw that 5 / 5. Sue
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How do I remove someone from my credit history?
Hi, I have gone onto the Experian website to remove my ex-girlfriend from my credit history, but it requires current home address which I do not know. We have been apart for the past 13 years and have no association with each other. Any help would be great.
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Halifax not using a proper credit check on me?
So for those of you who've more than likely seen my previous threads, I'm looking to get the Halifax Clarity card to use on my travels but they've rejected me in the past. I assume this is due to my lack of history, and just recently I have had a few various credit searches due to a new phone contract, a student account…
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Moved house and cannot get accepted
Hi there, Bought a property back in October, contacted council and on the electoral register as of December 1st. If I run my details through a comparison site or on an eligibility checker, citing 4 months as owner of current property, and previous address I was at for 3 years, I get declines or sorry we can't quote you…
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Incorrectly recorded data
Hi I have recently just applied for a mortgage and they have come back and queried a partial settled account from August 2016. This was settled in full and the mortgage company are asking for a letter stating that there is no balance outstanding. The company that has recorded this won't issue a letter but have said that it…
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Credit Card
I'm thinking about applying for an Aqua credit card. I'm just worried that I'll end up in loads of debt. With Next they send me a statement and I pay the minimum balance. However I pay way more then the minimum balance to clear the debt before the 0% finance runs out. With credit cards, if I get a credit card and spend…
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Error on file for 3 years.
I recently checked my credit file and saw an open account with a default on it which I had actually satisfied in November 2013. I rang the company and they agreed that the account had been satisfied and closed but that they had made an error in recording it. They have apologised and agreed to address it. I know that this…
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How to build score using a credit card?
Hello. I have a question about mending a bad credit rating using a credit card. I have just applied for a card and been accepted at a £500 limit. My question is, is it better to borrow a lump (for example, put all my car fuel costs on it) each month and pay it all off that same month, or is it better to borrow on it and…
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Help with problem with VERY and possible credit file issue
Apologies if this is in the wrong place... Hope anyone can help, just looking for advice for what you would do in my situation... We ordered a bed on a BNPL deal over black Friday with Very. The bed was around £700 with a delivery/pickup fee of £35. 2 weeks later the bed was dispatched but cancelled last minute as the…
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Victim of identity fraud, and now it seems my Credit Score is dropping
Over the last month I've been dealing with the fallout of identity fraud. Someone was stealing my mail and using info they found to impersonate me on the phone to various companies, getting personal information about me. Today, my Credit Sore on the MSE credit club updated, and it had dropped significantly compared with 30…
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Differing Credit Scores
Hey everyone, I've been checking mine and my partners credit scores today and I am slightly confused by the outcome. I first went to a website called clearscore which my sister uses and it told me I had a good score (400-500) and my partner an ok score (300-400). I then thought to have a look on MSE to find out what I…
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Same name different people
My dad and I share the same name different middle names. How can I stop his current accounts and details appearing on my credit report? His previous addresses and one current account are on my report. I've told credit experian but how do I inform other credit agencies. What are the best practices for this?
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RBS payment arrangement noted as late payments in Noddle?!
Hello, I had an old student overdraft with RBS and had switched bank and therefore had to pay off the balance. I have been doing this for a few months now but in Noddle can see that the code is listed as 'AR' aka arrangement however the status is 'late payment' and the codes show '1' for October, '2' for November and '3'…
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Default applied 6 month period
Hi there, just looking through my Equifax credit file and it's pretty clean thesedays bar a few things that are getting cleaned/removed, i found this one however stupid this actually is having a default for £49, it was that creditbuilder account thing with CashPlus and i really wasn't aware of this facility as i never…
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Debt arrangement scheme credit reporting
Hi does anyone know if a debt arrangement scheme DAS should still show after 6 years from start date?
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HSBC not updating report
Anyone else experienced this? I paid off a loan in full at the beginning of November and it still has not been updated as settled 2 months later. I have 2 currents account with them that were updated last month. I'm likely to be putting in a mortgage application in the next couple of weeks and [STRIKE]do not want there to…
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Self employment and credit ratings
Hi, I'm new to self employment so don't have impressive earning records to show (yet!). I'm a bit worried about the impact this will have on my credit rating. My husband is self employed too, he earns well. We have a joint account, a joint credit card which we pay off regularly and a mortgage - will those things benefit my…
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Prepaid meter or billing for credit rating?
Hi all, I am doing everything I can to improve my credit rating (aren't we all). Currently I am paying for my energy bills on a prepayment meter, but wanted to know if paying by DD monthly or Quarterly would be beneficial to my credit report or not make a difference at all. I have looked everywhere for this information,…
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When do credit reports update?
Hi I paid off 2 credit cards recently (nationwide and mbna). Does anyone know when they send their data to the credit agencies? Thanks
