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MSE CREDIT CLUB info wrong?
Hello all! Long time lurker, first time poster :D Ok so I have been building my credit file over the past couple of years. I did have a default that dropped off last a couple of months ago. Clearscore score : 418 Experian : 999 My salary is 19000, plus I have a constant overtime amount per month of 500 after tax. My total…
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Question regarding a debt on my Credit File
Good morning, I'll first say that I'm in Canada so maybe our stuff works differently from the US ( I'm assuming this is US based). I checked my Equifax + TransUnion credit file and my score is ~650. I recently tried to apply for a credit line for student and the only issue is my debt from November 2012 with Rogers. Here's…
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Establishing a Credit Score
Hello all. I'm a 25 year old who has been working for 2 years now since I left university and in the last year I've started saving towards buying my first home. When I reach the stage of applying for a mortgage obviously Id like a reasonable credit score. Up until now I've kept my banking life fairly simple using only a…
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default on credit report
I can't work out if my cards and loans went as a default when I went onto a DMP in 2010. I have checked my report and just one is showing. Is there any other way of knowing that anyone knows please? I have checked Noddle and Experian.
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Credit file how do defaults/repayments work?
Hi, I'm just a bit unsure on how credit files work when it comes to defaults and repayments. Might be best to explain with a made up example Bank account overdraft of £1000. Everything is fine then get into trouble during 2013 and max out the overdraft without paying anything off it. Defaulted April 2014 and account closed…
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Received court papers for debt
Hi can I have some advice please , I was paying my debts through step change and through difficult personal circumstances didn't complete a review and they stopped making payments so my payment in kept being returned. Anyway one creditor has served court papers and I'd like to know if I fill out the papers and make an…
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Missing information on MSE Creditclub
I've ordered my statutory £2 report from Experian (tend to do that once or twice a year from both Experian and Equifax). I've noticed that the CreditClub report is missing quite a few accounts that my Experian report has. Which I would expect them to be the same, since it's getting the data from the same provider. For…
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Pay off in full or try to negotiate?
Hi, Sorry if this has been posted before but I'm new here. I am trying to clean up my credit file and have 4 or 5 defaults on there from 5 years ago. They are due to drop off my report next year but I'm wondering if it would make a big difference to my score if I paid the balance in full or if I tried to negotiate a…
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Help! One hard credit search has dented me 46 points
Hi all, Really hoping someone can help me out with this. Last week I had a credit score of 392 with one search from my bank dated 11 May 2016 (interestingly I cannot recall the nature of this search) - under the search episode it is counted as 2 searches. Earlier this week I applied for a Barclaycard for travel purposes.…
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New ccj from a debt in 2009/10
Hi ... can anyone advise me ; After utilising Clearscore I have found a ccj placed on my file in past 2 months for british gas debt in 2009 / early 2010. The date on ccj is august 2016. I have lived at my address for 3 years and previous to that an address for 8 yrs. The debt is from a short term rented property after i…
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Default from Vodafone
Hi, In 2012 I cancelled my contract in the Jan giving 30 days notice. I didn't hear anything from Vodafone until a debt letter came in the post June 2012 from a dca. I paid straight away. I'm arguing with Vodafone ATM over it as I have only just realised it's a default as I'm applying for a mortgage. The satisfaction date…
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Removal of CCJ
Hi, A couple of months ago I got my credit score report from Experian and noticed I have had a CCJ filed against me from a childcare company. I contacted the court and they told me if I settled the invoice this could be removed. I have now paid the bill but the company haven't notified the court that this bill has now been…
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Personal creditu vs business credit
Hi. I was just wondering. Does your personal credit affect your business credit?
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Credit rating in credit card different to my bank account's ?
I have a credit rating in my Barclaycard of 985. When I tried to create a new contract with Vodafone, and provided my bank account details (HSBC) I failed the credit check! What gives? Any ideas whether the two are separate credit scores?
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Do I Pay off my cards in full or keep one and pay balance each month?
Hi Guys, I've got myself into a bit of a pickle and have an "Average" credit score according to Experian. My aim is to improve this ASAP and look to get a mortgage in the next few years (But only after my cards and debts are paid off etc.) I have 2 credit cards I currently pay the minimum (I'm able to pay off more each…
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Home improvements
We are looking to get a loan for £20,000 for some home improvements. we are lucky enough not to have a mortgage anymore but we don't know whether to remortgage, take out a loan or equity release. Can anyone give us some advice? Thanks
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Default paid immediately. Any come back?
Hi all, I had a natwest graduate account with 200 overdrawn that I had forgot I even had! I went to Ireland as I am moving over there to live with my GF while I was away I received letters stating my acc was od and was going to be sent to collections etc with it finally being sent over in nov last year. I was over in the…
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Confusing Credit Score
Just used the experian credit score through MSE and am confused by the results. How can I be excellent for loans yet poor for credit cards? I have relatively high disposable income and surely if you can afford loans you can afford credit cards? I don't need either but my overall score is poor which is more of a concern for…
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Paid Off Debt - Advice Moving Forward
Hi, This is my first post so please be gentle. I've been kindly gifted £4,500 to pay off various debts (credit cards, store cards, mobile phone contracts, and payday loans). This has all been dealt with today. After these have been paid off, I am left with another ~£4,000 in debt to Natwest (in the form of a credit card…
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Cifas question
Any idea how long a cifas mark takes to appear on your credit file from the moment x company requests it? Would I need to wait whenever my report updates again(in 24 days) to see if any cifas has been applied? Lastly, suppose i made 2 applications on the same date and one cc provider accepts me and opens my account while…
