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Will this affect our credit score?
Hi there, I have recently found out my 20 year old son has been going into his unarranged overdraft. He still lives with us, we don't have any accounts linked with him except I believe an old savings account which we opened for him in trust when he was younger (he doesn't have anything in that account now). With him going…
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Credit rating
I have no ccj or defaults on my credit rating but my credit rating is only showing fair, I have a very account £200 with a available balance of £2000, contract phone and a loan for a car through credit union as there interest rate is so low.also have a account with ikano through Harveys. I have nearly paid all this off as…
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Credit Card / Loans / Finance
Hi! I am looking at all my options for 2 reasons My car's HP ends in October, with a final fee of 5500 Health treatment that i need/want doing privately I have never had a credit card or a personal loan, only car finance and HP finance. the amount i need to borrow is 9k, Ideally i would like to continue to finance my car…
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Old Debt Repayment Advice
Afternoon, Hoping somebody can help, basically I am repaying two different DCA's £50 a month repayment plans on some old debts - Ex Credit Card Current Balance £1364 - repaid so far £950 (19 months) and Ex Car Finance Balance £4030 - repaid so far £400 (8 months) for which I also received a CCJ for in July 2010. Neither of…
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Homelet referencing to rent a flat
Hi, I was wondering whether somebody could help. My partner and I are about to rent a lovely flat. We are being referenced by Homelet. It is shown that my check has been completed, not sure about his. We still haven't heard from the agency,and I am very anxious. I am sure his credit check is going to be fantastic. He has…
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Improve credit score by doing balance transfer between cards
Hi guys, I regularly pay off my CC bill and repay mortgage every month. To get a bigger re-mortgage on my apartment next year, I am thinking to do the following. Recently, having heard a way to improve credit score by making B.T. between two or more cards. I believe this way is safe as it won't let me spend money…
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Experian - Have They Mishandled Your Data Too?
Spoke to Experian today regarding data that's been associated with my record due to a 'matching error' - which may be the result of some system changes made earlier this year (by the admission of the call handler and the manager I spoke to upon escalation). Although this error has been 'admitted' by Experian I am subject…
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Clean up of report
Went through a period of unemployment several years ago and off an overdraft of £600 the bank racked up charges to £1900 then stopped account in 2009. Partially my fault for ignoring letters but I did start paying nominal £1 fee. Just cleared the whole amount and statutory report shows 2013 default notice. I'd actually…
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Santander 123 Balance not on Credit Score
As the title says i found it odd that for both ClearScore and the Experian one via MSE that my credit rating report had a £0 balance next to Santander 1-2-3 account and therefore my overall net balance excluding my mortgage was wrong. It probably is not a big deal, but just an error or certainly a small irritant. Anyone…
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Dept marked as settled, resetting barred period
I went to check my credit report today after many years, I knew i had a dispute over an airmarked payment that was incorrect with lloyds tsb (now back to lloyds bank) The payment caused my bank to be 100 pounds overdrawn that was then returned to the retailer and charges occured in the mean time, i disputed everything as…
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CCJ not showing
I'm hoping that someone can help and stop me from going mad :rotfl: Basically i have received letters from Arrow Global saying that i have a CCJ and owe them £249.49 the CCJ apparently comes from a bill in 1999 which they say was being paid until 2007? I have no idea what this is or even who for. They have said that a CCJ…
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Making an offer to a creditor - credit file implications
I have a number of creditors I am paying off on a monthly basis. The loans I took out defaulted around 2/3 years. I'm paying it off slowly and I estimate, worst case, it'll take about 6 years to pay off completely. In the mean time, if I offer an amount, and it is accepted, will it have any adverse effect on my credit…
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DMP & Credit Rating Advice
Hello, I wonder if you guys can help me I entered in to a DMP in March 2017, I have been avoiding looking at my credit file until the dust had settled a bit. I have now had a look and of course it is to be expected with the Arrangement to Pay and Debt Plan and late payment markers being recorded on my account. My question…
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Is there a limit to items on finance?
My partner and I currently have 2 cars on finance under his name as he is full employed and I am self employed. We are currently purchasing a house (got through the mortgage stage thank goodness!) and we are looking at appliances / kitchens / flooring options that we can get on finance. My question is - with applying for…
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Rent payments on credit report
Hi all, I owned a flat which I rented out as I moved for work. I was therefore paying both rent for myself and mortgage on the flat (which was covered by the rent I achieved) for around 5 years. I have now sold the flat (March 2017) but am still renting for myself. Having a mortgage was beneficial for my credit report, but…
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EON CCJ - Offer to settle out of court
Hi all, My Girlfriend received a letter a few months ago from a solicitors firm acting on behalf of EON. They said they had gained a CCJ in default against her for a gas debt from around 4.5 years ago for a property she fled due to domestic issues. This was the first she had heard about it. She had attempted to clear all…
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Unrecognised searches on credit file (Noddle report)
I was checking my Noddle report this morning and came across the following searches: Lendable Limited (Sr, Ar, Cval) Lendable Limited (Ar Api) Administration Review 01/08/2017 Lendable Limited (Sr, Ar, Cval) Lendable Limited (Ar Api) Administration Review 01/08/2017 Lendable Limited (Sr, Ar, Cval) Lendable Limited (Ar Api)…
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Mortgage application with debt?
Myself and my partner are hoping to apply for a mortgage soon, I am employed permanently and my partner has been working through and agency in the same place fr 10 months and has just been offered a permanent position here so i believe we are fine for affordability. The only thing is I have a £1000 CC and the balance atm…
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Default Date incorrect
I had a Shop Direct Littlewoods account in 2012/13. I missed a payment in August 2013 and then they put something like £70 charges on the account (I only had about £33 to pay off). I was in financial difficultly at the time as I was a student and refused to pay. The last payment or correspondence I had regarding this…
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Will taking over a phone contract with bad payment history affect my credit score?
Hey all, for the last 1 1/2 years, my mum has been paying my phone bill. However, she quite frequently pays late, and even so this month (which raised the question for me and made me curious about this). She is leaving the country in about a month, so after this coming payment in a couple of days (which is already about 3…
