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My credit is not bad enough for sub prime lenders
Just an observation about my credit card applications.. Accepted: Halifax purchase, Barclaycard platinum, Tesco, Argos & New Look store cards, Amex Declined: Capital One, Aqua, Vanquis I'm not complaining! Just suprised. I do believe these sub prime lenders are actually looking for customers with previous defaults to which…
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Defaulted accounts
Hi can anyone give me some advice would be very grateful i'm trying to deal with money I owe I have round about 4 defaults which I am paying off. There is one however which is now 5 years 3 months old. Should I contact them or leave it till 6 years are up. Or if I do start paying it off after 6 years will it still drop of…
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Account disappeared off file
Hi guys, So I have been in an arrangement with NatWest to pay back a loan. I fell into some difficulty a few years back when the balance was approx 20k and entered an arrangement to pay 200quid per month. I have never missed a payment but my credit report then always became POOR. This was because NatWest started to show…
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Refused loan even though excellent credit score
Hi, I've been refused credit even though I have no debt, an excellent credit score with both Experian and call credit and no negative factors against me. All addresses and names are accurate and I have no bankruptcy or court orders against me. I was asking for a loan that was well within my monthly ability from my building…
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My address
I have 2 defaulted accounts that I am paying back monthly. They are registered to an old address. My question is I am considering offering a final settlement but the paperwork will obviously be sent by post, so I will need to tell them I have moved. If I register my new current address, I am wondering if this will impact…
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CCJ credit score points
Hi, I am in the process of having a ccj set aside and wondered if anyone knows how many points i can expect my credit score with experian etc to increase once it is removed tia
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Question regarding pay day loans and my credit file?
I like many people have fallen into the trap of pay day loans, fortunately I was able to break this cycle after 4 small loans with the help of a good friend. While it did cause me to borrow repeatedly from them albeit short lived, I wasn't charged massive amounts of interest and was able to pay back the loans on time. It's…
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Exceeded my Credit Card Limit
Afternoon, was just wondering if anyone could advise me. I exceeded my card limit with Yorkshire Bank and was only made aware when my statement arrived on Saturday. I was shocked that they enabled my card to exceed its limit and didn't decline it. I exceeded it by £300 and as I said I cleared this at the first opportunity.…
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American Express asking for ID documents
Hello everyone I applied for a British Airways card with American Express after getting 9/10 chance on their eligibility checker and I got this letter back from their fraud protection department. Has anyone ever been asked to send documents back to them after an application? Is it hopeful my application has been approved…
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Business credit card and personal file
Hi guys, I am just wondering I have a business card with HSBC but due to health issues the business was put on hold for a while. I have missed payments on and off over the last six months always catch up but do get default notices. I notice all 3 CRA companies do not store the information under my name as it is a Limited…
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betting firms appearing on search history
Hi, I have checked my Noddle report and see that searches were done by 3 different betting firms in a 10 day period around Christmas. This is very odd as I never bet and would never have anything to do with such companies. Is it normal for searches like this to appear? I have checked all of my bank accounts and they are…
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My Credit Score Dissapeared
About once a month I would go on credit karma and check my score. It was always the same 524 score for both TransUnion and Equifax. Being that I'm only 20 years old and hadn't worked on building my credit and had owed a 1200 dollar medical bill i expected it to be low. A few weeks back though I had been approved for a…
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Large energy bill - best way to pay for credit rating?
Hi all! It turns out my monthly direct debit for electricity has been too low for the last six months, so I've been landed with a really big lump sum bill. I'm happy with the bill - think, on reflection, it's about right - but I'm wondering about the best way to pay it off for credit rating. I could pay it in one lump sum,…
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Equifax - financial dissasociation
Back in 2007 I took out a joint mortgage with my then better half, this joint mortgage was settled in 2011 and we haven't been in contact since the end of that year. Rather tardily I decided it to arrange for this association to be removed from my credit files, Experian have confirmed they have removed the association and…
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Is it possible to stop a credit card company repeatedly doing soft searches?
Capital One have done 7 soft searches on me since May 2016 and I'm starting to feel stalked (not meaning to cause offence) as it feels excessive. I know that they don't make any difference, but I have never clicked on their site, I've never clicked on a link to their site from Clearscore/Noodle/google etc, and I've never…
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My DUNS score has gone up.....
Discuss.........
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Voters roll big problem
Ok, I have a mortgage on my mums house she claim esa and housing benefit. I am 35 have lived away from my mums for 10 years I have never registered anywhere to pay council tax so have never paid it I have moved around friends and partners house. Everything of mine bank, passport, d licence etc is all at my mums address.…
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Closing A Store Card Still In Maiden Name
I have a store card that's still in my maiden name (due to the ridiculous hoops they want me to jump through to change it). I want to settle and close the account, but is it better for my credit rating to update my surname first or does it not matter? Any advice appreciated :)
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Default
Hi, I started a DMP in December 2012 and I'm aiming to pay it all off by the end of this year. Most of my accounts went into default in 2013 - the first ones were in March 2013 and the last on in November 2013. So I have been working hard to pay it all off before 2019 so that my credit report will eventually be clear.…
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Small recent default - help with my best course of action
Hi all, i'm newly joined but have been a regular visitor as have been trying to sort out my credit rating with the hopes of getting a mortgage early next year. I had 3 defaults when i was 18/19 and 2 have dissapeared having been 6 years, one will be gone in november. Other than those, i have small credit agreements for…
