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Credit file & ratings
Archives for May 2017
Discussion List
Amending my credit file
Hi all I have recently been speaking to a mortgage advisor about a mortgage once my DMP finishes in November 2017. I sent him a copy of my checkmyfile.com credit file for him to have a look through. He has pointed out to me that there are a few issues that needed to be corrected before we really go anywhere with this. He…
Credit rating
Hello i am after some advice if possible. I was in around 6k of debt 3 years.. thankfully nearly all of that is gone. I cant seem to get my credit rating above 500 though. I am in a well paid job ...i have not missed any payment now for around 18 months, i habe a credit card with a limit of £250 which i use once a month…
Credit refused - a mystery I am unable to resolve
I decided to buy a new desk top computer from PC World. I was tempted by a more attractive one which cost more than I originally intended to spend so decided to take advantage of their 'Buy now pay in six months' offer through Creation credit. I was amazed and embarrassed to find I was refused. I am 61 years old and have…
Some advice with a default
A little background: I've had a Capital One credit card account since 2014 and have always been up to date on my payments, until recently, paying any outstanding balance off in full each month. However, in December of last year I became very unwell and ended up in hospital for a few months. My partner contacted Capital One…
confused with credit file!!!
Hi. This question has probably been answered but I'm getting myself in a muddle trying to read through everything so hoped if I posted someone could help me pretty please!! We sustained mortgage arrears several years ago which totalled over 6 months of arrears. My noddle credit rating shows BB (sustained arrears) up until…
time default stays
Hi I have some debts that I am trying to clear. I went onto a debt management plan in 2010 after not being able to afford the repayments. I have checked one of my reports today and it is only showing one credit card that I am paying. I still am paying 5 other debt companies. I cant understand what this means. Do the…
Unknown Natwest card showing on Credit File
Does anybody know how a credit card can show up on credit file - that was never applied for? I have a Natwest card showing as, account start date 27/06/12 and ended 06/07/12. The card was active for just over a week! I have contacted Natwest Fraud Team and they say that the card was never used and can't see anything…
Overseas Voter
I own my own house in the UK and have been enrolled as an overseas voter on the Electoral Register since 2015 and the Council has confirmed that this is still current. I currently live in France, but plan to return to the UK before the end of this year. Moving house is expensive so I asked my bank if I could increase my…
Credit report mse?
Hi all, I use the credit report provided by MSE and I'm confused bout some of the changes, some defaults say ...... DEFAULT/ENDED Does it mean they have ended or does it mean the credit is ended ? Thank you
Default Date?
Hi, New to the site so please be gentle/patient, and this may well be a daft question. I recently signed up to the Credit club and have access to my Experian report on there, so I can see all accounts/defaults etc, and I can see the accounts opened date, the 'last updated' date, but can't seem to see the default date for…
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