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Credit file & ratings
Archives for January 2017
Discussion List
Default removed from Equifax?
Hi, Had a default placed on my credit report from 03/07/2012 that looks like it has now been removed from my equifax file? I thought they was suppose to last for 6 years, although it still shows on my experien report, does this mean that my default from that file should move off next month or so? I am sure that this is…
Default on Credit File = no finance for new business start up
Happy New Year to you all!! I set up my own business last Mar & it has been doing really well & 2017 is looking even better :) I had to retire due to ill health at the age of 35 from my last job in 2014; received a tidy pension lump sum & a monthly pension. I have improved health wise hence new business start up. However…
CCJ in my name but ITS NOT mine?
Hi I was wondering if anyone has any experience of the above? When I got my credit rating report I found 3 CCJs. When I investigated them via the Northampton claims court they all related to the same company. The 'genuine Ccj' we had was via a rental company for our flat we had in London (short version is nightmare…
How to tell equifax I'm on electoral register
Anyone know how to let equifax know that myself any partner are on electoral register as according to them were not. Is it just a case of ringing local council which in my case is Birmingham city council and asking them for some sort of confirmation of electoral register status to send to equifax?
Credit file help
Hi Can anyone tell me if i tell my local council that i am moving house wether it will cause an address link on my credit file, also does the same occur with moving utilities etc. Or is it just financial institutions that link you? Cheers HEN
Overdraft killing my credit score?
Hello and thank you for taking your time to read this, I have a £5,000 overdraft limit with Halifax, I don't use it but if I lower my overdraft limit to say £500 would that increase my credit score or decrease my credit score? thank you once again.
Apple credit checked me when paying by Amex
Hiya all, I was wondering if anyone had any ideas and/or could shed some light into this situation: I bought a new macbook online through Apple.com. I paid using my Amex Charge card. Everything went well and I picked up the goods etc... everything normal until I check my Experian report and see that Apple Distribution…
Back on the Electoral Roll Equifax Score went down!
I know the score is hogwash and shouldn't ever be used, other than to have a helpful random number for choosing what track to listen to on the jukebox. It makes me laugh - i was added to the electoral roll - goes from red to amber (another nice touch) and then bam! Score went down. Nothing changed other than this. The…
Does credit still build with non credit building credit cards?
I started with credit last year with the Aqua Advance card, and noticed my score was improving quite a bit, but after a few months, I applied for a credit card with a major bank I was with and was accepted. I stopped using the Aqua card but still kept it open. The minute I closed my Aqua card down though was the minute my…
Default coming off
Hi all, I have 5 defaults, two of which will be off within the next two months another two within 12 months. I have one which will be on for a few years but as im making monthly payments im hoping this is settled before it expires. Do these naturally come off? Or do i have to fill any forms in or carry out any tasks? On a…
Credit card and rating?
Hi, I recently got my first ever credit card as never really wanted one before. I actually only got one to build my credit rating as was turned down for a mobile contract. I signed up for Equifax and it's not that I had bad credit I infact had no credit. Never wanted it or needed it really. I eventually got a contract with…
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