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Talkmobile financial issue
Hi guys, To cut the long story short, I had a talkmobile contract about 4 years ago, contract that I have stopped to pay. Eventually the contract went default on my credit file. Now, I am trying to pay up all my debts and I came to this issue. Whenever I go on experian, and click on the default, it tells me its talkmobile…
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Identity fraud on my credit report
I have recently been refused credit with my bank due to a note on my file. I been with them for over 20 years eventhough and they say I have an excellent rating with them they would not help with this note and I was refused the account I needed. Having checked with Experian and Equifax there are no issues and, again, I…
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Which credit reference agency is more reliable? Noddle/Experian/Equifax etc..?
The first website I ever used properly was Noddle, after opening an Aqua account and they used Noddle. This was around this time last year and my score was rated 3/5 and poor. Now I know the score doesn't matter as such, but over this past year, my score never really moved. It's gone up and down a matter of a few numbers…
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Everything is paid...now what?
Had a nightmare week! Found out I have ANOTHER ccj that I knew nothing about! It's only showing on my Noddle credit file and none others! I didn't open the account, whoever did applied using my middle name and misspelt my surname, but I can't prove it and I need to pay a fortune to try to (the ccj is for £221 so I'll just…
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Query
I have one default dissapearing from my credit file on 12/02/17 and one closed account which has been on there since. 11/01/2011 and hasn't been taken off after six years. I have since appealed. How likely will my credit report improve afterwards? I use Callcredit/Noddle to check my credit report.
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credit club application
I am trying to join credit club but i only have 1 card that is a debit card. My bank card is just a basic account due to advice from this site to help with debt. Is there another way of verifying my I.D without 2 cards?
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Refused credit - don't know what to do
Hi, I am looking for advice as I don't know where to start and what to do. Credit and credit rating are a new thing for me as I am not from the Uk and never needed to worry about it, but now that I am a homeowner I have had the necessity to come to terms that I can't ignore the matter anymore. It all started when I wanted…
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Paid off
I paid off various debts in early January and have just received my Equifax report but they are still showing on the report Can anyone advise how long it takes before they take to show as settled? Thanks in advance John
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Setting up a joint account help - Credits Scores
Hi all, I want to set up a joint account with my partner but she has a worse credit rating score to me. I've been warned not to do it at all because when you do it your credit scores become linked. However she has been slowly improving it and it is now 377 and mine is 944. Can I find out how setting up a joint account…
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credit file ruined
Hi, My credit file is currently terrible with defaults and a ccj, these will drop off in the next 3 -5 years, my question is do i use the time to save for a mortgage or should I start paying into a pension, which my employer has to offer from May, I'm 41. Thanks
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Default Dated - 18/11/11
Hi All, First of all I know I should endeavour to pay all debts back, but just a common sense question really. I've worked really hard the last 6 years to finally relieve myself of all debts, I'm now down to just an overdraft of £500 that should be done this month and one defaulted credit card account from November. This…
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Is it too late to Settle an Account once it has been Satisfied
So here's my issue. I have a default that is dated 06/08/2012. It has been satisfied since 2014. I do realise that this will come off my account next year, but I would like to remove it or at least settle it. Question is... Is it too late to settle the account & will it make much or any difference to my credit score.…
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Relatives and debt collection
I have recieved a few letters from a debt collection agency addressed to a realtive who no longer lives with me. Will this effect my credit score if they show up to my address?
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Nasty ex and divorce ruining my credit rating
Please can someone offer some advice. I am so upset, my credit rating was very good but now is very poor. All because my ex stopped paying the mortgage 2 years ago and Nationwide put it to interest only on a temp basis. I have been paying my half but can't afford his half. He btw can afford it ( just says he can't), has a…
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Basic credit rating question
I have a number of credit cards, all of which I pay off the monthly balance in full by direct debit when the due date comes around. I have a Barclaycard too, which I'm currently not using for spending, as I took up an offer for a money transfer-the terms were (from memory) 18 months money transfer for 0%, apart from a 1.9%…
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Noddle help
Hello, Ive been using noodle for a few months now and was adviced to get a credit card to help re-build my credit rating. Last month my rating was at 564 this month its gone down 517! Ive paid my credit card off in full for the past 2 months, i also have a over draft that is paid off every month. Theres nothing on my…
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Out of statute debt
I just received a letter from Capquest regarding a Topshop card that I opened in 2004 (and frankly had forgotten it existed). The last payment that was made to it they say was in 2008 and the default appeared in 2009. They had two telephone numbers for me on the account that I do not recognise as well. I've disputed the…
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Looking to Quickly Improve a Poor Credit File
Hi, I am making enquiries on behalf of a client who is looking to apply for a mortgage in the next year, actually sooner rather than later. The mortgage required is for around £40,000. Deposit available is £10,000. Hence an 80% mortgage would be fine, my client believes she can stretch to 70% or even 60%. Her income is…
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Default help!!
Hi everyone. Hoping you can help. I looking to apply for a mortgage in the next 6 months and I have discussed this recently with a broker. I have checked my credit file and it is showing as very poor! I did have a IVA but this has finished and due to come off my credit file any day now :o . I have just paid off my credit…
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Credit check by company I have nothing to do with
I signed up to Noddle a few months ago and just checked my credit report to find that Capitol One Bank ran a check on me and I have no idea why. I instigated nothing around the time the check was run. I understand Capital One offers credit cards at ridiculous rates for improving credit scores. I don't need this. How do I…
