Credit file & ratings

Discussion List

• Credit file update

  hi so i have a incorrect default removed from my credit score on Experian but it hasn't changed on Clear score im worried that IL have to go through the whole investigation again how long should i expect it to take to "ripple" through the rest of the credit scoring services as its took months to get to where i am now.

• Credit File and Mortgages

  Hi Everyone, About 5 years ago, I started taking out a few store accounts and credit cards and gradually built up a lot of debt which got worse during Uni. After building up a 3.5K overdraft, I landed myself in approx 8k debt. I've managed to pay off about 3k of this through a DMP so I'm now down to 5k owed. I have now…

• Recoveries effect on credit score

  Hi I have recently had an account with Halifax sent to recoveries due to not being able to afford the overdraft fees. I also have 2 loan accounts with them and am struggling with repayments. As the default will already be on my account from the previous account would it actually affect my credit file that badly if these…

• Max Recovery and Incorrect Default Date

  I've been in touch with the original creditor MBNA who is recording a default date of 1st June 2012. However, when obtaining my Experian £2 report end of last year, Max Recovery (who bought the debt off MBNA) are recording a different date of the 3rd August 2012. I have raised a dispute with the CRA dn provided evidence of…

• Dispute Default on file - Kapama / Mini Credit

  Hi all. I know defaults and corrections are discussed in depth all over the site but I'm looking for some specific advice on a complex one. I had a loan back in 2013 (possibly 2012, I forget the actual original date) for £100 from a company called Mini Credit. I actually may even have not told the whole truth about income…

• Paying off all debts.... how long before credit score back to Normal

  Hi there.... currently my credit score is very poor due to circumstances over past year and fell behind with payments. Have only recently accrued defaults in past few months and in next few weeks may have opportunity to clear all debts outright. If l do this will defaults disappear.... if not..... how long will they stay…