-
Choosing CC lenders based on credit reporting for building credit
Hi folks. One thing I've never seen mentioned much in the whole credit file building malarkey is the factor of which lenders report to which agencies. The usual idea is that you just get a card, start spending, pay it off in full every month and it will build your history. However, as we can see from this table, not all…
-
Credit Rating changed after free access Equifax
I have a good credit rating ( 870-890) with all agencies. I decided to join the Equifax free rating check. The next day their rating dropped by over 100 points. I had done nothing to change this except join their free check. Of course now I want to see why which will cost me £15. Anyone else experienced this scam
-
Problem with credit club : it does not show my credit score
I registered with credit club but it doesn't display my credit score at all. on the main page (dashboard) under experian credit score and MSE affordability score there is a question mark and this message : Loading seems to be taking longer than usual. Please try again later. why and what should I do? :(
-
No credit file
Hi, Had a bit of a weird thing happen. I signed up for the free credit report but don't seem to have a file! I double checked with experian but they didn't really help much. They say i may have a 'thin file' i.e. they don't have any info on me but i have a mortgage, CC, mobile etc. Married with kids. I don't know how they…
-
Default date help
I was hoping some one could help.. I had a default registered against me on 12/07/13 for Orange, this debt has since been sold on to Lowell. After speaking with orange numerous times they finally found my account and the last payment I made was 02/01/13 before the default notice was put on in the July . I might be…
-
How long does it take to rebuild credit history?
Hi guys I'm a newbie here! I'm going to be in a position soon where I will be totally debt free! I've struggled with the debt for quite a number of years I'm on a debt management plan and my current credit score is very poor. My question is once everything is paid off, it will all be paid off at the same time. How long…
-
Mortgage provider have crucified my score
Hello - following a series of traumatic events I went into free fall and messed up my financial life. In 2015 I went into 5 months arrears on my mortgage and therefore serious issues. However, with their help and getting my life on track, paying extra on my monthly payments, increasing it when I can. My credit file has…
-
Credit card application refused :(
Hello, I have this afternoon had an application for a credit card refused. The bank seemed perfectly happy with my application until they auto-ran it by an on-line third party called Experian who advised my bank to decline my application. The reason given by Experian is that I am "unemployed". This is incorrect, I have…
-
Joint loans and de-linked accounts
Hi all I had two bank loans in joint names with my ex-partner. She's done a runner to the USA and I'm left paying the entire debt. I've managed to come to an agreement with one of the banks where I paid them a lump sum (not quite the entire amount), and we've agreed to part company with account marked as "partial…
-
Really impressed by Experian
I contacted Experian today as I needed a credit report. I had used them years ago, but forgotten the whole saga. The rep was checking my details, then asked me if I had ever received my pin number before. I hadn't and remembered that I had a problem in getting it (and then forgotten about it, and months later realized I…
-
Experian problem
My DD, who has a good job and unblemished financial record plus a history of renting a room in an HMO - she is on the electoral roll and her current landlord of three years has described her as an 'outstanding tenant' - has failed a credit reference check for a new rental. Experian have confirmed they made a number of…
-
Credit files very different and missing debts
Hi all, I am hoping someone can help me understand my credit file / history. So more than 6 years ago I started a DMP. This finished in July 2016 but apparently I still owed £17 to Lloyds for an overdraft debt and £1700 again to Lloyds for a loan. When I spoke with Lloyds about the £1700 debt, they said they are not…
-
Credit report search not me
This is a bit of a strange one and can't find a previous thread that's had the same issue. Basically I requested a copy of my report from Equifax and found everything was good except for one issue: There was a credit search carried out two weeks ago by Virgin Media Group, but this is listed under an address I moved out of…
-
Unaware default?
Good morning/afternoon/evening depending when you read folks, Having mild heart failure due to a default being on my credit score. I had no idea that it was there nor have I ever been notified or chased for debt. Now I'm not disputing that the debt need to be paid, as clearly it does and I've requested the information to…
-
Defaulted accounts removed when??
Hi guys, Trying to clear somethings up. Conflicting information on the internet. I have an account that has a default date of '18th Feb 2011' the account is under "closed accounts" in my noddle report. Now a lot of information says this will disappear 6 years after the default date (it has not disappeared yet…
-
How can time with Utilities effect the rating when we are encouraged to shop around?
It seems perverse that we are encouraged to shop around and move Utilities but being with a company under 6 years negatively effects your rating. Either we encourage competition or stop using it as a solution to all inefficiencies in the market.
-
Is Experian giving false information about you and the electoral roll?
So as I have been complaining about for ages (https://forums.moneysavingexpert.com/discussion/5412530), Experian tells to lenders that you are not in the electoral roll even if you are. Basically their address matching algorithm is unable to see that "Flat X, <House Name>, <Street Number> <Stree Name>, <City>, <Postcode>"…
-
Impact of current accounts on rating
We are very over-indebted and my OH'S score has plummeted from excellent to very poor over the last few months even though we've not missed a payment. The report shows everything green and up to date. He has 3 current accounts- 2 with Bank A and 1 with Bank B. The Bank B account shows as existing on the credit report, but…
-
Compensation for putting someone else court judgenents in my credit report
Hello to all members, My ever first post here, in my credit report there are 2 court judgements and decrees but that was not me. The person owe same name as me but only one spelling difference in his surname but most important thing is he born in 64 and i born in 80. i ve recently tried to rent a home and letting reference…
-
Soft Searches
Hi Guys, On Credit Expert, Equifax and Noddle - I can see different breakdowns for searches. Am I right in thinking that no lender can see any sort of soft search at all ? So insurance, identity check, credit query ? Or can they see the number of them or something like that. Just wondering how it actually works.
