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Failed debt claim, default notice on credit file not updated
My wife was recently chased by Lowells for an old student overdraft debt, but this failed when they couldn't produce any evidence before it went to court. However, we have recently applied for a mortgage and it appears that they added a default notice for the debt on my wife's credit report. Is there any way we can get…
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Final Demand for payment after we'd started sorting it
Hi everyone, Moved into a new house in Jan & took all the usual meter readings etc. My wife communicated them to the new utilities provider who took them & opened account. A few weeks after that we got a daft bill for £250 quid gas for the first month. We contacted utility people again & were assured a real bill was…
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Many accounts, will that affect my credit score?
Hello, recently I have opened a lot of current accounts to maximise interest earned, none of the accounts opened have any overdraft, does opening many account have a big impact? My logic said that surely it doesn't make much difference as I have used all the account to save money rather than use any overdraft. Any…
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Experian credit score is 0... Can this be right?!
Hello! I've been battling with debt problems and payday loans for a long time and finally decided to pull myself together and sort it out earlier this year. I wasn't expecting miracles, but I've just logged on to Experian and my credit score is 0! I didn't even know it could get that low... Can this be correct?!
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CCJ £1 a month
Hello, I receive disability benefits, and in the past couple of years debts have caught up with me that i have been unable to pay back. As a result i have a few ccj's in which i have to pay back £1 a month on each of them. These alter in value between £400 - £800. My question is how long will these ccj's appear on my…
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Help and advice needed
Unsure how to start this really, but I desperately need help on how or even can I solve this situation. I have a close family relative who has used my name and her children's name to get credit, she has used it all at her address, as I don't live there, and I'm on the electoral register for my own address, I don't…
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Noddle credit report codes
Hi, I've recently printed both mine and my boyfriends noddle report as we're applying for a mortgage. My report has the code UC and AR on it. I've looked at the code list on the website and have found UC but can't see AR anywhere only AA...has anyone come across AR before and know what it means? Thanks :)
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HELP! How else can I improve my credit score?
My partner and I were looking to buy a house and discovered that we both had very poor credit scores. We were told by our mortgage adviser that despite the fact we have saved a good deposit and could technically afford the mortgage we were looking at, we could not secure a mortgage. I've looked at both our credit files and…
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mystery standing order
Hi all, I have a standing order of £10 a month, coming out of my bank account. I have is a reference number, i know the barclays bank sort code and account number its paid to.i have telephoned my bank they have said "all we have is the sort code and account number, the same as you, we can't help. I phoned barclays and…
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Lowell On Credit File
Hi I have been having difficulty dealing with Lowell solicitors ltd. They have an entry on my credit file that is incorrect and I want it removed. Lowell £ 279 06/05/2017 Default Name ********************** Address *************** Date of birth ********** Account type Telecommunications Supplier Account number…
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Credit File and Money Advice
Hello, After 3 years of turmoil, I'm trying to get my credit rating sorted out and my life back on track. I've made some progress but I've got a long way to go. Current situation: Loan with Tesco (defaulted, now with Robinson Way) - being paid off on a monthly basis. Loan with Virgin (defaulted, now with MDRL) - being paid…
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My partner doesnt exist! Help!
Hello, I am helping my partner to apply for a credit card and wanted to check out his credit file to see what is on there/to use the MSE credit check tool before actually applying as i know a rejection could have a negative impact however .... he does not exist! I have tried noddle, experian, clearscore etc. Nobody can…
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Patience is starting to run thin....what are my next options???
Back In December, I went through the complaints process on Resolver, to sort out an ongoing issue I have with British Gas. Just so you have a bit of background, I had a default on my account from British Gas, but when I contacted them to start making payments towards the debt (I'm trying to improve my credit and wanted…
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Overdrawn for 12 hours
Hi I didn't realise but I went 17 pound overdrawn on my account on the 19th April, on the 20th April I was paid so over the overdrawn money was paid off, I didn't realise as sports direct take a few days to take money out of account, will this show on my credit history, I am with Lloyds, on my equifax report April is…
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Unused Available Credit
I have several credit cards with zero balances with about £20,000 of available credit. I always thought that it was better to have a whole load of available credit and to not be using it but one of my colleagues says that it will be better to reduce the overall amount of credit available to you... Is he right??
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o2 credit rejection
Has anybody else been declined for credit by O2 in the last few days. I applied for a 24 month phone contract and was rejected but my Experian and Equifax credit score is excellent? O2 tell me I have been declined twice but Equifax tell me that no credit check has been done on me in the last 12 months. I know O2 has…
