-
improve score
We are finally back on track and debts paid except one. One we didn't even realise we had anymore! We're looking into a mortgage and I checked out credit scores with experian. Mine is 966 and other half is 444 *gulp*. Logged on to noddle and it shows a debt, I honestly thought had been settled, as a default. It is from…
-
Advice please...I'm clueless...
Hi everyone, sorry if this has been asked before but I'm clueless with this stuff. I have just got my credit file and I have 3 defaults from quite a few years ago: 1) start date 13/12/2008, default date 09/08/2011 and date updated 11/12/2014 with hoist portfolio holding 2 ltd 2) start date 09/05/2010, default date…
-
Cabot continue to add a default each month
Hi, I had a loan from Northern Rock in 2004 and in 2010 I had a serious head injury and was unable to work, hence NR registered a default on my file I setup a payment plan when I got out of hospital. And this plan continued and then the debt was sold to Cabot in 2013 I can't remember getting a letter from them but the…
-
When will default drop off?
I am slightly confused about this as I've got 3 dates posted. Account started 03/10/2011 Default Date 03/07/2012 Default Satisfaction Date 29/10/2012 When will this default drop off? I really have no idea..
-
Powers to enforce a CCJ over 6 years old
Hi, Apologies if this has already been covered but after a long search through old threads I couldn't find anything similar. I have 2 CCJs dating back to 2010. They are not longer showing on my credit record but I am aware that they technically still exist. Both creditors have recently obtained my new address and are…
-
MSE Credit Club down?
I've getting 'service unavailable' on various browsers and devices, and can't access the FAQ to contact someone and let them know. Anyone else?
-
Using a credit card to build score. Correct method.
Hi all. Basically after some advice. I have been building my credit score steadily now for 3 years. I have 2 credit cards, a AMEX Platinum cashback & an Ulster Bank (RBS) MasterCard. I had been using my UB card sometimes but not regularly. I have since started using the AMEX to take advantage of the £100 max cashback to…
-
Ikea finance
asdfghjklor
-
Potential Employers & Credit Check
Apologies if this is in the wrong forum But can potential employers see defaults on a credit check or do they see basic info such as address, ccj or bankruptcy? Thanks
-
Metro Bank's hard credit search despite no credit card or overdraft?
I was travelling around Germany & Switzerland last month, and just before going I signed up for a Metro Bank account for their free European cash withdrawals. It's something I've been wanting to do for around a year now but I live quite far away from a branch, so I made it a day out with a friend travelling all the way to…
-
Changing Name - affect on score?
Hi all, I have split from my husband & we will be getting divorced at some point (it's amicable enough and our finances aren't really tied so it'll just be a paperwork thing & we both have better things to spend £600+ on). I want to change my name but not back to my maiden name. I know how to go about doing it in a legal…
-
EE Credit
I have today tried to open a contract for a phone with EE. I am doing this on behalf of my son whose was declined credit yesterday. On advise from the store he came home and checked his credit rating which was good 526 / 700. We can still see no reason he was declined but in order to speed up the process of his getting a…
-
Will a negative PayPal balance debt hurt my credit score?
Morning everyone, I'll start at the beginning. I fell a for the oldest trick in the book, a PayPal chargeback scam when I sold an iPhone, they paid me via PayPal, collected the phone, signed for it, had them on CCTV, then said they hadn't received the item (at this point I knew I'd been had and cancelled all my bank cards…
-
Struggle is Real, Credit Club %
Unfortunately it just seems, the more money an individual has, the easier it is for them to access credit ! Currently, trying to overcome the odds of having to pay 18% APR on my current loan with one that has a much smaller APR. Credit Club stated that I would be approximately 70% successful if I had applied for a 3.1% APR…
-
Issues with defaults incorrectly recorded
I've got an issue with 2 defaults on my credit file. I queried both with the respective companies and both promised to resolve them. I have the calls recorded. I contacted Experian who queried both with the companies. One (telecoms) agreed there is an error due to technical faults at their end and they'll fix it, but still…
-
Advice on removing a CCJ please
Hello, If anyone could give me some advice on CCJ removal I'd be very greatful! (how I go about removing the CCJ and how likely I am to get it removed). So the story is: I was working for a major UK airline as Cabin Crew, I was off for a few months very unwell. I decided to leave the airline when I realised it would be…
-
Will My Score Ever Get Better
Hi I have a score of 137! I lost my job 10 years ago due to ill health and that's when all the trouble started. No CCJ's or IVA's but there are several defaults. If I pay them back they are still there for 6 years so does that mean my score won't improve for 6 years?
-
Impossible to access Credit Club
Hi, It seems that because Experian cannot math my 100% data I cannot access the credit club. This is bizarre . I happen to know my credit rate is close to perfect, I was joining to see how it works in order to help someone else. Now I'm wondering what on earth experion are holding because it certainly can't be true off…
-
No credit history
My daughter is 19 works 20 hours per week and has just moved out. Can someone please advise me as she can't get any credit on anything.she has signed up to get her credit report/score and they are saying she doesn't exist. She is on the electrol roll and has a bank account. Any advice on how to get a credit score ?
-
Old Credit Cards?
Hi folks, just wondering if anyone can answer the following please... I had an interest free card with Barclays and used it properly. Paying off the balance before the end of the 0% interest period... I then rang them to close the card but the agent tried to get me to take a new card... this time with an interest rate. I…
