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Creditor Can't Supply Copy of Default Notice
Would like some advice. I've contacted my original creditor mbna for a vlid copy of the original default notice. They claimed that it was showing on their system that one had been sent to me on the 7th September 2012 but I said I didn't received it. So I asked them for a hard copy. The OC said they are unable to supply me…
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Equifax Support Site problem
I have a couple of ongoing questions regarding my credit file with Equifax, I have been sent a response which asks me to log in to the support site to view the questions. I have managed to view the response once, but now I cannot access the site. This is happening on work computer, mobile and home laptop. I have not been…
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Existing Employer Credit Check - Help Required
Hi there, Bit of a strange one, about six ago my employer rolled out adverse financial checks for new starters in key roles. However, they've announced they plan to roll these checks out to existing employees, I do have a CCJ from a few years ago for an old debt from when I was made redundant. Is my employer allowed to…
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Will my partner moving in with me affect her credit rating?
I have been with my partner for over a year, and she has a pretty good credit rating (she recently borrowed £7k at 3.9% from Sainsbury's for a new car). I have been in a debt management plan for 6 years, and by the end of the year all the defaults on my account will have dropped off, so hopefully my credit rating will…
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How many years on credit report?
Hello, I requested a statutory credit report from Experian. But I was only asked to enter addresses for the last 6 years and when the report came, it only went back to cover the addresses I had given. I emailed Experian for more information but I have not heard anything. I know companies don't always keep files beyond 7…
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Help with credit reports showing confusions.
Hi, I’ve recently checked my credit score both with Experian and Equifax. Apparently there’s an acount with O2 with £7.49 in arrears that’s affecting me getting credit. I don’t remember owning O2 any money so I called them up and they said in June 2014 there was a bill of £21.90 and I paid £14.41 which left £7.49 to be…
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Incorrect mark on Credit Rating by British Gas
Dear forum, Recently I was unexpectedly refused on an application for a Credit Card by Amex. When querrying the result, it was explained that this was done on the basis of my Credit Rating with Equifax. When requesting my Credit File and researching my Credit Rating in more detail, it became apparent that I had a notice…
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Missing current account
Hi all, I check my credit report regularly on Clearscore & Noddle. Both these reports don't show my main current account which I use for all my direct debits, salary etc & which I have had since the summer of 2000. It also has a significant overdraft limit which I have never used. Instead it shows 2 other current accounts…
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Unauthorised credit search by Noddle / Totallymoney.com
I have just checked my monthly credit file and found that a search has been performed which I did not agree to. When on Noddle itself I simply filled in 6 dropdowns to check eligibility out of curiosity, for anyone logged into Noddle it is this page https://www.noddle.co.uk/financial-products/credit-cards It states that it…
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New free credit report available from TotallyMoney (callcredit)
Just posting this for anyone that can make use of another free credit report!:) https://www.totallymoney.com/free-credit-report/
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Lowell Default.
Hi all, looking for a bit of advice. I had a Tesco Mobile contract which I went into the store and, certainly said I wanted to cancel but never actually got cancelled - I'd moved my partners contract over to 3 so the Tesco SIM card was destroyed. I'd kept making DD payments for a few months until I realised and cancelled…
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Mobile phone contracts
Hi, wondering if anyone has any thoughts on this one. I have had a pay monthly mobile phone for the last 14 years, with O2, and always paid on time etc. This month, I decided to upgrade to a new Samsung, and looked at deals. I saw that Sky Mobile seemed better than O2, so cancelled my O2 contract and signed up for Sky.…
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Improving File With Default
Hi there. I had a rocky few years about 10 years back and ended up in a really bad way, financially. Now I am back on my feet, but due to the errors of my past, I am still finding it hard to get credit. Clearscore is showing my score as zero negatives, yet experian shows me at one negative which defaulted in 2015 with a…
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Differences between Noddle and Clearscore
My noodle report says my credit rating is very poor YET my Clearscore rating says my credit rating is exception?!?! Who do you trust? The thing is I have no debt, no credit cards, no loans, haven't missed any payments for umpty squiddly years and have generally kept my head down BUT Noddle still says my credit rating is…
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Out of date information held by credit refenence agencies/degt colletion agencies
I bought a house, as a bank sale in November 2015. The former owners of the property immigrated and felt behind debts on credit cards, loans etc. as well as the bank taking back the house. For the last, almost, two years debt collection agencies have been writing to the previous owners demanding payment. At the beginning I…
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Exceeding credit limit question
Hello It states on my credit report a negative impact to my score is that I have exceeded my cap one credit limit several times in the past six months, and then gives an example of this happening in July. My question is how long does this stay a negative on your credit report, six months, one year? This has happened due to…
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Credit score decreasing?
Quite bizarre. Noddle report shows that my score has gone from 605 to 585 from Aug to September. No searches, no missed payments, no new accounts, never missed a mortgage/credit card payment etc. How is this possible?
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Raise my Credit Score 32 points in 6 months?
Hi everyone, So I just checked my Equifax credit score for the first time and I found out my score is 388 which comes under 'fair'. This is due to a late mobile payment from 4 months ago. I have no other late payments or issues on my record. In terms of loans I have a laptop loan, phone bill and educational loan that I pay…
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Virgin credit card search
In my MSE credit club experian report it says: I haven't applied for this card - does this mean that someone has tried to apply in my name? Equifax shows on the same date: HDD-PRICE COMPARISON-BARCLAYCARD Nothing on call credit. I do recall receiving a letter from Barclaycard at some point inviting me to apply for their…
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Set your own T&Cs on your File.
I believe in making my Credit Files work for me. You can too. I’ve set my own Terms & Conditions when it comes to applying for financial products and services.(see Link below) I would like to do the same for my very dear old friend who I have Lasting Power of Attorney for. I wonder how the Credit Reference Agencies will…
