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Credit Ladder
Hi just wandering if anyone has used credit ladder to help build their credit rating by paying rent? They are wanting my bank login details to access bank statements, just want to make sure it’s safe before giving any details out.
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Full credit history
Apologies in advance if this should be posted elsewhere or answer is already posted but i want to try to get hold of my FULL credit history covering at least the last 20 years. I have had various cc's and 2 loans and need to know who these were taken out with as I no longer have any paperwork. I have registered with the…
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2 Money laundering bet company checks
Hi all, I checked my noddle and clearscore reports today and noticed 2 searches which have left me bewildered. One is by Bet365 - Non credit ML and the other is Ladbrokes on two different dates. I havent regisitered or visited these sites. I do have a national lottery account which I use if I miss the lottery shop machine…
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Credit report help please
Good morning :) I was hoping someone may be able to advise me a little. For starters my credit history is a bit of a catastrophe (I'm working on it). I really wish in school they taught more about debt, Credit history, council tax And mortgages :eek: Anyway I've had a clearscore account for a while and check that monthly.…
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Can I find out the source of an AML search?
I've recently had an AML search show up which I'm finding puzzling. It's from Barclays and the only product I have with them is a bPay prepaid card which I haven't used in a few months and has less than 2 quid on it. Does anyone know if by using the reference for the search, I can find out what product its in relation to?…
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CCJs
Afternoon guys! Hope this is the right place! Have a couple of CCJ questions. 1) Do they fall off your credit file after 6 years, even if you are still repaying them? 2) Is there anywhere I could get a list of them, with dates they started from? I think I have three but don’t know when they all started. Thanks !!!128522;
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Improving credit for mortgage
Hi everyone, Me and my husband are wanting to apply for a mortgage in around 8-12 months time. Here is our situation; -First time buyers -We have a £35,000 deposit saved -We want to borrow around £200,000 over 30 years -Our household income is £51,520 -He works, I do not (stay a home Mum). -His credit rating is Fair on…
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Will Changing my bank account negatively impact me
I don’t have many longstanding accounts on my credit files, one of the longest being my current bank account. I opened a first direct account to take advantage of their switch offer but I’m worried that chopping and changing accounts will lower my credit scores and make me a less desirable candidate to potential mortgage…
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Hire purchase set up with minimal checks - HOW?
Not sure if this is the correct place to post this, but couldn't find anywhere better. Is there some minimum standard that credit providers should use to verify identify of applicants (especially when application is made online rather than in person)??? I have a situation where a credit provider has supplied goods (by…
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Historic missed payments affecting mortgage
Hi, I am trying to apply for a mortgage, but due to missed payments on a now settled car finance account I am not able to borrow what I want. The missed payments happened between May 2016 and Oct 2016, and amounted to £648 (£108 per month). The reason (I know banks don't look at the reason but hey-ho) for missing payments…
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Credit rating info is wrong....
Hey At the moment my credit rating is lower than I would like and one of the 'reports' as to why its lower is that I do not have a credit card. But I do have a card and have had one for nearly a year. Also my address is wrong. How do I amend this info? Thanks :) Jody
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Identity Fraud - No Reply from Equifax/ActionFraud
Hello All, About a month ago, I received two letters through the post - one for a o2 phone contract (iPhone 64gb 24 month) and one for a Debenhams credit card. I immediately rang the two companies and specified that I never signed up for these services, they cancelled the accounts and then I rang 101 - who put me through…
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Linked Account
Hi. Myself and my husband have had a joint current account for over 10 years. I have been having trouble in obtaining a new credit card recently and I believe that it may have something to do with My husband’s poor credit rating and being “linked” to him via our joint account. Would getting a separate bank account of my…
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Should I satisfy all my debt or wait till removed?
Hi, First time poster here... I ruined my credit when I was young and reckless, according to experian I have a total defaulted balance of £3,026 with 7 different companies, the largest debt for £2,123 is due to be removed from my file on the 1st of May 2018 and the rest by mid 2019.I also have 1 satisfied CCJ due for…
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House blacklisted help
Hiya, My boyfriend recently went to get his first phone contract in his name - he's 19 and has never had a loan/debt/credit card/overdraft or anything so essentially he has no credit rating whatsoever. He got declined for a contract and the man at the shop said his house could be blacklisted which is effecting his score.…
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Cancelling a monthly payed qualificatio
Hi guys, I’m going through the process of attempting to cancel a qualification I’m paying for monthly for a year. I’m out of the standard cancellation period but I can still cancel under certain reasons. Would this effect my credit rating if I was to do so ( cancellation fee and then not paying anymore) I’ve always payed…
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985 Experian score yet refused credit card???
Hi everyone Hopefully someone can shed some light on this rather baffling situation. I have a free experian account and can see my score is 985, no further info available on there so have just attempted to sign up via the MSE Credit Club...got as far as Step 2 and it said i couldn't go any further as my identity could not…
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Vanquis Credit Card - CCJ - Can I get it removed
Hi, First time post as can’t seem to find it asked anywhere before. I am a former Vanquis customer, had a credit card between 2010-2014. Due to some rather extreme personal circumstances, the card went in to default during that time and they started charging the earth. My limit was only ever £250. Anyway, long story short…
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Credit report - old address
I am hoping that someone could give correct information with regards to credit reporting. On my credit file I have an old credit card that I have not used since 2012 and I had asked them to close many time, but still appears on the report. Also the address on there is an old address where I have not lived for the last 14…
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Partial Settlement Query
Hi, I am aware somewhere deep in these forums may lie an answer to my question, however I keep seeing differing responses and each situation is slightly different to my own so any help here or advice, I would really appreciate. I have a debt with Pounds to Pocket that has been sold to 'Lantern', it is for £480. I have…
