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Disposable income rating?
I'm just looking at my rating/score through the MSE Credit Club (my Experian score is 830 out of 999 Fair) and under my 'Disposable income' rating it says: Sadly, it’s likely you’ve little free cash, so lenders probably think you can’t afford to borrow much more. How do they know this? Can they see in my bank accounts and…
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Just got turned down for a loan - any thing I can do?
I was sent a letter by my bank (Natwest) about loans. Between me and my partner, we have a lot of debt (credit cards and overdrafts) so I took them up on their offer applied for a loan. I was turned down so am wondering if there is anything I can do to find out why or improve my rating for next time? Are there any loan…
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Default and new mortgage
In the last 2 years I've aquired a few pay day loans and not been able to pay them off. These have all defaulted. Lucky I've just inherited 80000. I would like to try and get a mortage. If I paid off all my depts what would my chances be of getting a mortgage. And will m credit score go up? Thanks for reading.
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Late mortgage payment - credit score?
Hi all, Is it possible to fight a mark on your credit score for a late payment / how can you start to redeem your score if not?? I brought a flat last October under shared ownership. To make the initial mortgage payment in November (1.5 months approx) I set up a direct debit and paid. Then realised from Dec I had to reduce…
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Wonga Default
Hi all, Had a payment arrangement with Wonga and missed a couple of months. Today I have logged onto my credit file to see they have defaulted my account. Can they do with without prior warning? Agreed it's my fault for missing the payments but thought they had to give you some notice at least? A.
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Debt and Mortgage Advice
Hello, I left the UK 9 years ago owing the bank for a mortgage,personal loan, a load secured against my property & credit cards. I also wrote to my mortgage bank informing them that I can no longer afford to keep the house and i left soon after. I am aware that I can be black listed for 5 years but would I be able to have…
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Clear score very slow to update
I started using clear score at the beginning of last year, basically because it was free. My wife has always used Experian. I notice that clear score is much slower to update your details after a change. Most of my accounts on there are showing they were last updated on Feb 2nd. I've opened a new joint account and a…
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New default on noddle file - PRA UK?
Hi, I have just recently checked my credit records as I periodically do and to my horror I have just found a default on my noddle (call credit i believe?) account. I have checked my experian account (through MSE credit club) and this default is not on there. I have no idea where this has come from and have never heard of…
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Buy-to-let mortgages on credit report
Hi, Should buy-to-let mortgages be linked to the address they are for, or does it make any difference? I am within two years of paying off my home mortgage but I also have two BTLs with 10 and 13 years outstanding. My credit report lists my home mortgage and one of the BTLs, but not the other. And there is no mention of…
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Halifax Mortgage: not being reported?
Hi All, Can anyone shed any light as to why my Halifax mortgage is not being reported to the credit reference agencies. I am 23 years into a 25 year mortgage and hope to move home with a new mortgage ( adverse credit/ bad credit history in the fairly recent past). I have been using check my file on and off for a few years…
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Why are all my credit reports showing different scores?
Hi all, I've not posted in a while but I'm finding it difficult to understand my many credit reports. I am signed up to noddle, Credit expert and money saving expert's credit club. All 3 are showing different scores. The credit expert (last updated match 7th) shows 313, noddle shows 616 and money saving expert shows 951.…
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Mycreditmonitor 541 score help??
Hi I've just signed up to MCM to be shocked as my score is low as 541! Abit about me, I'm 19, have been employed for 2 years, have 2 credit cards I rarely use and pay in full every month as well as a bank account for my employment of 2 years with the NHS and live with my parents. I was using My Annual Credit Report…
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Credit Rating Electoral Question
Random question but I am going to apply for a credit rate and currently my credit score still shows me registered on the electoral roll at my old address I've been waiting for this to change for a couple of months now. However if I applied now and using my newer postal address would this conflict with what my credit score…
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Defaulted account due to fraud, am I due compensation?
I have recently been a victim of fraud with O2 and two phones were taken out on my name, ranking up a total bill of over £1800. Not knowing about this until I started receiving letters from O2 about late payments, I decided to file it as fraud. When I got confirmation from my bank for O2 that it was fraud, the debt had…
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How 'exactly' do I submit queries/corrections on MSE Credit Club/Experian?
I logged into MSE Credit Club and viewed my credit report, which has some things on there that don't make sense to me. I clicked the Corrections and Queries link and it says you can add notes and even gives some tips about how to write them but WHERE do I click? I can't see it. Further down it also mentions "Need more…
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Incorrect Credit File Recording- Moorgate
Hi, Excuse the legth of this post but I am wondering if any one has had any luck having incorrect late/missed payment markers removed from their credit file? It's a long story but basically myself and my husband have been on a DMP since he was made redundant back in 2010, recently we looked into re-mortgaging specifically…
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Experian punishing me for settling a debt early!
Hi all. I think this is quite complex so i'll do it it short points to hopefully get the facts across easier! * Had a DMP years ago * Owed IDEM approx £2000, paid them an agreed amount as per the plan, but because it was less than the original agreed amount - was getting red marks on my experian every month - fair enough.…
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Late Payments - Idem Servicing
Hi all, First post, apologies if it's in the wrong place or throughly well answered. I recently checked my credit file for the first time and discovered that a loan that I settled in 2015 (originally Egg Money, then Britannica, and finally Idem) had 3 late payment markers. One was from 2013 and two were from 2014. I…
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Credit Expert (Experian) cancelled but still taking money from account
I paid £14.99 last august to retrieve a copy of my report, I joined a few years ago and had the free for 30 days offer, cancelling well within the timescale, no problem. After paying for this last report I then rang them cancelling my membership, now I have found out that this money has been coming out of my account every…
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Clearscore-recent searches in a former name?
I've just been browsing my Clearscore account and in June 16 and in January 17 there have been searches in my former name. I've been married and changed my name over 21 years ago. The entry says 'search for no search type' I'm obviously concerned by this - should I be? Do I need to follow up?
