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what effects your credit rating ????
Hi everyone please adv me...... I am trying to boost my credit rating and am a bit confused about a few things..... i have bought myself out of my mobile phone contract & paid of my catalog i had. will this now show as a positive/ settled accounts? Also i have a capital one credit card that i took out 4 months ago and have…
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MSE Credit Club Registration - Income
I just wanted to provide some feedback on the Credit Club registration process and warn people of an issue they might come across. When filling in the registration form, the field for "Annual pre-tax income" (work, pensions, benefits) requires a minimum of £1000, it won't allow you to proceed with a lower figure. So if you…
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No credit score but I've got a credit card and loan?
Hi, I've tried having a look around on the forum and on the internet but I haven't been able to have any luck. Basically....my partner has got a credit card that he uses regularly but always pays on time and has never missed a payment and a loan to which was only a small loan but again he always pays back the monthly…
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How can I improve my credit rating?
Apologies if this has been asked before but I am sure everyone's circumstances are different. I will try and explain things as best I can and be honest its my first post so please be gentle. I always maintained a good credit rating for a long time and I got my mortgage and was approved for several loans. 8 years ago…
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Advice to clean out from fraud
So recently i have been a victim of Identity Fraud. Credit Card from Marbles - New Day and Loan From Hitachi has been taken with my name on my recent address just after 2 weeks i move out(suspecting agency which i was renting). 1 Month Later 2 years unpaid water bill has been transferred to me also and all this reflected…
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Guaranteed Compensation from Erudio
Please complain over the Consumer Credit Act 1974 / APR letter(s) Erudio sent to you in circa September 2014. They sent letters saying they had made "a commercial decision" to put a Consumer Credit Act 1974 error wrong, and removed interest for a period of time whilst this was sorted out. I have got compensation from…
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Being chased for a credit card debt we have already paid in full
I posted this in Debt free wanna be forum but i think it may be the wrong place. This is the issue My son had a credit card debt with Capital One. I paid it in full for him as he was being threatened with legal action by county court for a debt of £1800, which with the fees was £1930. We paid a company called…
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Unknown CCJ discovered - court summons "signed for" by someone else
Hi all, Wondering if anybody can offer some advice. My friend has just found out when doing a credit check that she's got a CCJ - she knew nothing about this. It transpires it was due to parking fines. (On private land - at her workplace; a NHS hospital). The CCJ was filed on 30th November. My friend moved out of her house…
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Vodafone - Ignoring Complaints & Defaulted Payment on Credit Report
After reading the forums about how Vodafone are ignoring complaints i cant believe how many people are in the same situation as me. I recently found out i have a defaulted payment on my credit report from Vodafone saying i have not being paying a fee of £23 for 2 years, when i cancelled my contract with them 2 years ago…
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Experian account
Hi I have an existing account with Experian which like with my Equifax account I can request credit score info and the like either on a trial basis or further subscription. If I sign up the the MSE Credit Club would the free Experian report just supersede my existing account.? thanks .
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Company Credit Report - Payment Performance History
I've just signed up to Experian to have a look at our companies credit report, and am quite concerned that the 'Payment Performance History' is showing that the 'Days Beyond Terms' is increasing month by month, but I've no idea what we are supposedly not paying. I've uploaded a screenprint to here:…
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If I close Credit Card will it clear from Experian quicker?
I've just paid off all of my credit cards in order to get a mortgage but they are still showing on my Experian report and the timescales to clear do not fit in with the urgency of our chain. Does anyone know if they will be removed quicker if we close the credit card account completely or will it make no difference? Thanks.
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Credit score - Not enough information?
HI there, hoping this thread is on the right place, I've tried on both Expedian and Noodle to get my credit score and both have come back saying they don't have enough information to be able to get a score for me. I've filled out all the information asked for and I have a mobile phone on contract and I'm registered on the…
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Advice
Afternoon all, Hoping for some advice. Many years ago I took out a career development loan of which the total value is around 23k. I then had financial issues and defaulted on this and my overdraft at the time, which was around 1.9k Capquest took the debt on and I make a very small payment at the moment which effectively…
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Soft Credit Check - Schuh / Klarna
I recently purchased a pair of boots from Schuh. I had the option to open a credit account or pay immediately. I chose to pay immediately. My credit report arrived and https://www.klarna.com have done a soft credit check on me. When I eventually tracked down a telephone number for them and spoke to them they told me it was…
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Help! O2 have put a default on my credit file but I've never had an O2 account
Hi All At wits end here. I'm normally pretty good with all things credit file related but I have a big issue. I recently checked my Equifax credit file as I need to re-mortgage in a few months when my fixed rate finishes. I was shocked to see how poor my score was. Basically, I have a default notice on my account for a…
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Making money off of my overdraft - damaging?
Hi, I currently have a £1000 debt on my student overdraft and £400 debt on an interest free credit card. I currently have £1500 in savings in a TSB current account earning 3% interest. Am I harming my credit score by not paying the debt off in full and just making the minimum repayments whilst earning interest on the money?
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Experian through credit club
I've just had a letter from Experian telling me that my free trial is starting and after 30 days I will be billed £14.99, yet I have not signed to to Experian. I have accessed my report through credit club though, has anyone else had this problem?
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Credit Rating and your Credit Card Limits
Never mind...
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What does this mean?
I have an old Nationwide loan, which I took out in November 2012, a default was added in January 2014. Ive struggled to pay the debt back and currently do not have a repayment plan set up. I’ve received a letter from Nationwide today however asking if I agree to a Notice of Correction being added to my account, with the…
