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Motagage and defaults? Help.
Hi, I am looking to buy my first home. I am looking to buy a property for around £145000 with a £17000 deposit meaning I need to mortgage £127000. I currently earn around £27000pa. I'm 28 and have been in the same job for almost 11 years and have no dependants. Unfortunately around 4 and 1/2 years ago I got 3 defaults when…
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Default on Noddle Report
My daughter and her partner have checked their credit reports with Noddle and there is a debt of £802 on her partners report with Hoist Portfolio Holding 2 ltd. It is registered at his previous address and it says the start date was Feb 2008 and the first default date was November 2011. He has no recollection of what the…
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quick access to credit score
hello, So i did a 30 day free trial with Experian years ago but closed my account. i cannot access my account as i cant recover my log in details for some reason. the only way i can access my credit score is through barclay card app who offer a basic version. i need a copy to email to a broker but i cant print off of…
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Unable to gain a balance of my account
Hi, Apologies if I am posting this in the wrong area of the forum. I owe a small amount to a debt management company. I wrote to them several times (from June onwards and always in writing you know what they are like!) asking for a balance.. I have never had a response back. The company in question were taken over by…
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Defaulted payment - mortgage ....
Hi, Me and my boyfriend want to get a mortgage next year which he has never had one (I do have now). My rating is pretty good but his is in the mid poor area with a defaulted account of £715 from Lowells portfolio. He thinks his ex took it out in his name when their boy was born in June 10. The account was defaulted in jan…
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Temporary Address Change Impact
So wife and I have sold our house and moved in with my parents for 2 months until our new house is ready. I want to apply for a new savings account, should I wait until in the new house because currently on any application I would show living with parents and would this affect the scoring? If I do wait and any future…
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Giffgaff now providing credit reports...
I've just had this email from giffgaff (my mobile provider). Haven't seen it mentioned before so sorry if it's old news: Hey Christopher, giffgaff money is here to get you “money fit”, and knowing your credit score is the foundation of your financial fitness. That's why we've launched our free credit report. It only takes…
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How to de-link finances after split
Not the best title for this post but couldn't think of what to write. My ex-partner and I are close to selling the house we shared together, once this has been completed, how do we go about 'de-linking' ourselves from each other on credit files for the mortgage and any other linked products? Thanks
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Smashed Credit File
Hi, I recently applied for 0% credit card as I wanted to transfer from my current card due to high interest rates but was only given 1/4 of what I applied for. I decided to bite the bullet and look at my credit file. My cc1 has several markers of late payment which are true although when I paid the company (Barcl@ycard)…
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Best approach to take - advice please
I have recently reviewed my credit report (provided by Experian) to find that a debt company who recently bought an old defaulted debt from 2012 has registered a new default as of last month. I had no idea that the debt/account had been sold or transferred to this new company and I was of the understanding that a default…
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Too many Enquiries?
Hi all, I'm just checking my credit file and I have about 35 or so enquirers listed on my file since September 2015! A lot of them from 2015 to March 2016 are from a company called uk search ltd which lists a very old address I lived at when I click on the entry to find out more info. I've not been at that address for well…
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Need info/help regarding credit file
Hello all, firstly apologies if this is totally in the wrong place.. I am currently in dispute with a bank regarding a miss trace and them stating i owe a sum of money which I don't.. However they have asked for a copy of my credit file to see where the miss trace happened and I have absolutely no idea where to start with…
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Full @ final settlement v DMP?
Hi folks, I am new to this site and looking for some advice. I have been in a DMP with a charity since 2012, currently paying 400 a month. The debt was all unsecured (credit cards). I have never defaulted on other mortgage, council tax debts ect. Anyway at the current rate my debt will not be cleared until 2021. My…
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Ccj on credit file
Hello, first off im not sure if iv posted in the right part, if so ill move this to the right topic. basicily i recenty filed for my creditscore with clearscore.com as for some reason i was refused finance on a purchase. which i found odd as i have never had any dept or mispayments. when looking at my score it said i had a…
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What is included in a soft search
What exactly is included in a soft search? For example, we are looking at mortgages and currently with TSB, and they offer a mortgage promise, but I want to know what exactly do they pick up from that? Only reason I'm asking is we are in the middle of a balance transfer from my OH name to my own name. He will be the only…
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good bad or indifferent
Just done the credit club score thing.....i come out at 999...should i be worried or happy ? is it even correct ?
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MSE Credit Club query
Hi all... Just a quick query regarding the information you enter into your profile on the credit club tool. When it asks for mortgage/rent payments should you be entering your actual payment or your contribution toward the payment? For example our rent is £650pm but in theory only £325 comes from my salary?
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credit rating varying...
I have checked experian, equifax and clear score (i know the last 2 are the same company) and they are both giving very different representations of my credit score. So my question is which one is more reliable?? experian - 836 equifax/clearscore - 312 I am looking at going for a mortgage and want to know my chances.…
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Anti-Money Laundering and Idenity checks affect
Hi I have recently signed up to a few bookmakers and these are showing on my noddle credit report as having searched my file for 'identity checks' and 'anti-money laundering' checks. Though this has no affect upon my credit score that I can see, will affect my ability to borrow as I currently have several 'searches' on my…
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Reduce Overdraft or Credit Card Balance?
Hi. I wasn't sure whether this post belongs here or the mortgage thread, so please forgive me if I've posted in the wrong place. I'm looking to move home later in the year and need to tidy-up my finances to give me the best chance of being able to obtain a mortgage / reasonable mortgage rate. I have significant CC debts…
