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Credit file & ratings
Archives for September 2017
Discussion List
I AM on the Electoral Register...But CRAs say I'm Not!
I've lived at my present address for 21 years, and have voted in all but one election and in all of the local elections. I recently made a credit application but was refused; when I checked my credit file on Experian, Equifax and Clear Score, all 3 it say that I'm NOT listed on the electoral register! I have checked my…
Off Credit File.......but can it return?
Back in 2004 I had a loan from Welcome Financial Services - it no longer on my Credit File, but still has approx £2.5k o/s. I have just received a letter from a company called PRA Group stating that they have 'purchased' the o/s balance, with a view to possible litigation. I know that someone will know the answer - can…
Friends mail to our house.
A friend of my partner recently sold her house and to break the chain she is currently staying with parents until her new house sale goes through. As part of the whole move she asked if she could get her mail redirected here. We said yes but only if it was Royal Mail re-direct as didn't want her or her boyfriend as showing…
Help with credit score
Hello all, I'm looking for some help, please. I am looking to raise my credit score as it currently is classed as 'fair' 767 with Experian and I'd like it ideally to be 'excellent' Some history about my past credit is in 2010 I took out an IVA after running into problems. I was 3 years into paying the 5 years IVA off…
separating credit history
I recently suffered an extremely acrimonious and costly divorce where fees alone were in the tens of thousands.Thankfully i survived,however i do not want my own excellent credit record to be associated,joined in any way shape or form to that of my ex. How do i expedite removing her from my credit record...other than a…
Possible Missed direct debit...
I always pay off more than the minimum amount on my credit card when I get paid and then my direct debit for the minimum payment comes out about a week later. I'd rather just pay one payment so today I cancelled my direct debit so I could just pay one manual payment. The problem is that because my payment is due on the 5th…
Multiple credit checks on your name - What to do
I noticed my last credit report a magnitude of searches for credit application using a previous address I lived about 3 years ago. I am overwhelmed by the fact someone is trying to obtain fraudulent credit in my name. These have taken a toll on my credit score too! What steps shall I take? I have a CIFAS warning on file…
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