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Vodafone again
Hi all My contract was up on June 14th. I rang in may giving 30 days notice. They say notice starts at the end of the contract taking it to around July 12th. Hence they get another month from me. Is this correct? Thanks
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Credit applications
Hi folks, Recently moved into my own house and I'm now looking for a few things on credit (not a rash decision and has all been worked out). As I waited on my application I didn't want to rock the boat and so was paying interest on my credit card (5k). I called the provider today who basically laughed at me when I asked if…
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Poor credit score car finance
Greetings MSE Forum, I have recently been offered a great new job which requires me to have a car for work and comes with a 4500 a year car allowance. However,I know that I have a low crediit score therefore, I have reviewed and followed the advice on MSE but to improve my score will take time. I have also checked my…
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Date of default 10/07/2011- when will it be removed from my credit file?
I think it's this year, will it be when they refresh the report, or do you think I'll have to contact them?
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Credit score and joint account
I am quite new to the big money landing world so pardon me if I say something completely idiotic. I have a joint account with my wife, and I have read that this could influence my credit score. Now my wife doesn't have a bad credit history, in fact she doesn't have any credit history. Never had a credit card (in the UK),…
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Credit cards
Hello I'm wanting to apply for a mortgage soon but have a lot of credit cards with zero balance. I have 5 credit cards. Is it better to close these accounts to improve my chances or keep them open to improve my chance of getting a mortgage?
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Rating destroyed by santander
Hi all, Wondering if anyone has had any previous similar experiences? I took out a 0% credit card with santander to pay off some additional costs after buying my house last year. I had set up a standing order for £50 per month to keep in line with minimum payment. Then in may 16 I paid the card off in full. However I…
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credit club not working
Everytime I try to use the credit club it comes up with the following: "Loading seems to be taking longer than usual. Please try again later." Has anyone else encountered this? It makes it a pointless thing for me.
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DRP on credit file
Evening, if you don't pay DRP will this show on a person's credit report? if it in relation to a parking fine. Also, will they take a person to court over it?
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Centrica multiple searches
I moved my gas and electric to British Gas in January this year. I have had an excellent credit score for a long time. Recently I have had two credit accounts taken away because of a low credit score. I logged into my credit expert account to find that Centrica did SIX credit searches on 9th Jan that have had a negative…
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Is this even possible?!
So....I have an account with Experian Credit Expert. I recently went through and updated all of the relevant information, which in turn made my credit score increase by 120 points. My question being, I am now 1 point away from an 'excellent' score. How on earth do I improve it any further just to gain that excellent…
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Energy Saving Trust Credit Check
I am hoping to have some energy saving work carried out to my home. A local Authority Grant will cover the majority of the cost but there is a payment of around £2k I will have to make. After jumping through various hoops I managed to get a form for an interest free loan from the Energy Saving Trust. I was rejected for the…
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2 Separate credit files in my married and maiden name
Hey, I appear to have 2 Experian accounts, 1 in my maiden and 1 in my married name. Is this right? Or is it better for my file to have them combined? Thanks
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Loan and credit file
Hi I took out a loan with M&S money a couple of months ago. I've checked my credit file via Clearscore and it's showing the loan amount of £11.5k plus all the interest loaded on top too. I have another loan with HSBC and that does not include the interest. Is this just an M&S money thing? I need to apply for a mortgage…
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Arrears repaired
Hello, I have had an issue with Barclays about an account which defaulted in 2014. To cut a long story short I have had a complaint resolved the outcome of which was to have the arrears removed from my credit file. I've had a look on Noddle and I can't see any reference to the account at all. Does this sound right?
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Moriarty Law CCJ claim received
Hi, I've received a claim form from Moriarty Law for £350 plus costs, for a payday loan from 2012. I might've paid it but i probably didn't. I ignored all their previous letters not expecting that size a debt to be taken to court. What are my recommended next steps? I see some recommendations to get them to 'prove it'. Can…
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Please help regarding CCJ & DEFAULT
Hello. Please help me . I really want to use 2017 to understand and correct my finances. Firstly I have a CCJ on my credit score for £2681 dated 15/04/2016. It says it is active? will it remain this way until I pay it off? I am paying this off monthly and understand that it wont drop off my file for 5 years , as I live in…
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MSE Credit Club
Help! I am trying to join this and once I get to the Experian bit, I am asked to say who provides one of my credit cards. My credit card provider (a well known building society with banking facilities and a penchant for poetic adverts) is not listed, no matter how many times I refresh the page to get a different selection.…
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Settled Default
Hi. New to this. Can anyone tell me how a settled default will affect my credit and future lending. I have a small (£22) settled default for unpaid mail order that has appeared on my file in April. In particular I was looking to try to move my mortgage to a lower rate as per a post I saw from Martin yesterday. This made me…
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Notice of Correction
Hello! I have been accessing my credit report for last 6 months or so via checkmyfile.com, and I have a Notice of Correction that I put on my report in 2013 explaining two defaults that happened on my account when I was made redundant. Luckily I've managed to improve my credit rating and it's back to a reasonable state.…
