-
Credit file jumped 208 points but didnt do anything
I checked my credit score which i regular do I haven paid anything off in ages but my credit score jumped 208 points up in the good direction leaving my score from being 174 to being 348 I am just trying to understand why is there any sites that give you the detailed report for free i dont wanna pay 14.99 to expieren or…
-
How to break an old financial association on credit report?
I recently obtained a credit report from CreditExpert.co.uk and noticed that it contained financial associations (a person and an address) that is no longer correct. I filled in the financial disassociation online form thinking that this would solve the problem in a central manner but I got a reply back from CreditExpert…
-
10year old debt??
I've recently checked my boyfriends credit score and noticed it had dropped quite a bit. There's been a debt added on of just over £300 to British gas from 2007...when he lived with his ex she liked to pocket the money instead of paying bills....and my fella doesn't keep any documents from years ago. We don't exactly have…
-
bereaved
Hi my mum's has just been bereaved and the credit card she had used for years been stopped because it was in my dad's name. They always page everything off each month but it was very usesfull a she always used it for on-line shopping. The credit card was from the coop which is where their joint, now changed to her bank…
-
Provident Fail
Hi people I opened an account with Provident back in 2006 borrowing £1000, when I opened the account with them, back then they didn't do credit checks or updates on any payment information to the credit file agencies. I had an agreement with them for 5yrs, It didn't matter if you were behind with payments as it was dealt…
-
Hard search?
This is showing on my husbands clear score report. It is in the section that says other lenders can see it. Can anyone confirm this is a hard search?? Leeds Building Society (DL) Search for Credit Application Latest on 10 February 2017
-
Do I accept an offer from a debt collection company?
I have posted a few days ago with regards to a credit card helping to rebuild my credit file and have found out that having the few debts i still have is probably causing my harm and using a credit card may not help to build the score as much as I would have hoped. I have being makikg other payments and have 2 debts that…
-
How long does it take for your Credit Score to repair itself?
Hi folks, I'm new around here so I hope this is allowed. Can anyone tell me how long it takes for a credit score to repair itself? When I was young, I was quite frivolous with the offers I was receiving left, right, and Centre and nobody really reigned me in. I have paid off most of them, but some are just standing at a £0…
-
Mortgage Default Query
Hi everybody. After several years of redundancies, mental illness and unemployment my house was repossessed in March 2011. I agreed shortly after the repossession to repay the outstanding amount at £20 per month. I have never missed a month since and all the other financial issues I had leading up to that point have…
-
How to appeal CCJ?
Hi, hoping someone a bit more wizened than myself can provide some insight here. I've had a look online, and while I could find a number of informative articles about the circumstances you can appeal under and so on I wasn't actually able to find the process through which to appeal. A lender I had lost contact with sent…
-
Please help!
Hi, I am a 25 year old currently re-evaluating my credit situation and it seems I'm in a very bad situation. I have an overdraft of £2000 (fully in) and a maxed out credit card of £1,500. Furthermore, in January I missed a credit card payment and got rejected for an extension on that credit card. I really wanted to do a…
-
clarification regarding credit files
Hi all, Just doing my annual check of my credit files and got a couple of simple questions: 1. When does a CCJ fall off of your credit report? Is it six years after the date of judgment, or six years after it was satisfied? 2. What does 'total non-mortgage credit balance' actually mean? Is it an overdraft (or debt) or how…
-
open cards/credit on files...do we need to 'tidy up' before we apply for a mtg?
Hi, We have 0 debt and are still saving towards a deposit. We tend to use our credit cards to buy petrol/the odd grocery shop and then pay it off in full. Currently we have a few credit cards and a catologue account between us. My worry is the bank will reject a mtg appliaction as we have approx 18k available between us on…
-
Defaulted account
Hi, My boyfriend has a defaulted account on his credit report (experian). I need some clarity on this. The default date is Nov 2014 yet this default has only appeared today. The previous reports (even yesterday) do not list this so why wasn't it showing months if not years ago from when the default was first created? We…
-
Lowering Credit Limits
Hi there, Just wondering if this is advisable. I'm sorting my finances this year and have joined the credit club and taken a look at my credit report. My credit utilisation is good at present and I'm aware that if I lower credit limits that would change however,I'm looking at the longterm picture and don't intend on using…
-
Credit Score
It's official, the credit score is a load of twaddle. I have a score of 'poor' (2/5) on Noddle . Yet I applied for Mortgage through Nationwide with the score coming back as excellent, and the mortgage was approved in 1 hour (that's application to offer)!! So in summary, don't get hung up on a 'score'.
-
Very old CCJ, very new mortgage
Hi everyone, I'm looking for some informal advise before I start applying for a mortgage and hoped someone would be able to assist? About 10 years ago (late 2006) a letter caught up to me from Northampton County Court informing me I had a shiny new CCJ. Long story short, I had acquired this due to an admin mishap at the…
-
Debt from 6 years ago - statute barred or still liable?
Hello All I have a bit of a long query. I think I know the answer and what I should do, but want some advice please! 6 years ago I moved in to a rented property. The utilities were provided by Utility Warehouse. 6 years ago I didn't care about credit score or about being responsible, and buried my head in the sand and…
-
How to increase credit limit of postpaid mobile
I am using postpaid connection with credit limit of $60. but after 25th of every month my phone connection will stop. so please how to increase credit limit near to somewhere $100.
-
Pay Credit Card off middle of the month?
Hi all, After a bit of advice, when I was younger I was a fool and ended up with about £4,000 worth of debt give or take and have left it and left it. This has had a massive impact on my credit score. I actively use the likes of noddle and also signed up to the club that is run through this page to monitor what's going on.…
