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help please re HMRC debt referral
Hi all Could really use a bit of advice if anyone can help and thanks in advance! Basically did not cancel my receipt of child benefits (from my child born in 2010) after the rules changed (my partner is over the earnings threshold for receiving this benefit) and so HMRC contacted him to pay it back. They said we had to…
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Default No Longer Appearing on any CRA file
Thanks in advance for any replies.
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Lantern Finance (MMile)
Hi All, I have lived at my address for almost 4 yearsand today received a letter form the above company stating that I owe 471.05 and that I haven't replied to their previous correspondance. I have never heard of this company and no debt on my credit report matches the amount they have shown. They don't say what the debt…
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Credit Cards To Improve Rating
Good morning, I’m just looking for some reassurance I’m doing the right thing. I currently have an improving credit rating (I’m aware the score and rating mean nothing) My Score is poor due to over borrowing a few years ago and having a satisfied ccj on my file. My ccj is due off my record in 2020. I currently have a…
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Public record information is wrong on report??
Hi guys wondering if someone can advise Me. Just recently signed up to Experian and noticed one of my negatives is under public records, when I click on to this their are two judgments but under my mothers name? She is aware she has these and is Paying them however what has this got To do with me and why is it affecting my…
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Vodafone default on credit file
Hi I am hoping that the Vodafone Rep "Lee" reads this as i need some information/help on how to get vodafone to update my credit file from an old contract account that i have with them 3 years ago. I have sent off the letters as per the suggestion in the credit file section to get other companies to update my credit file…
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hello every one :))
Is Noddle broken for everyone or it is just me? Virtually all I get when I log in is this: We’re very sorry but we’ve been unable to retrieve your credit report. Please email us at contact@noddle.co.uk so that we can investigate this issue for you. I think my latest report is due today, so perhaps that has something to do…
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How can a CRA get away with this? Or can't they?
Hello! I need some advice please! But first, let me tell you what's up... So, back towards the end of 2016, my fiance and I started looking at houses with the hope of getting a mortgage. We found that it wasn't possible, due to my credit file having 2 defaults and a CCJ, which I then worked my butt off to satisfy, and…
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Default vs Closed, Partially Settled
Hi everyone, Which is worse on a credit file: Default or Closed, partially settled
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How do you get a credit rating score
My wife is trying to invest money into 1 year bonds with various banks. Each time she tries to do this they say that they have to carry out an electronic check to verify her identity and then say that they were unable to do this because of a lack of information. What information must be available to enable this to be…
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MSE Credit Club problems
I had a MSE credit club account which was all working and verified by Experian and I made a pretty silly mistake. I needed to see whether a credit account had been updated and I was impatient and couldn’t wait for the monthly update which was in 2 weeks time I thought I was being clever by deleting my Credit Club account…
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Credit Score and Lifetime ISA
Does having money in a Lifetime ISA improve or even effect my credit score?
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CCJ applied at old address
Hi, I had a CCJ applied at an old address in January 2016, had I known about it I would have arranged for it to be paid immediately but as I didn't receive notification I didn't do anything about it. It's just one of those that slipped through the net. The first I knew bout it was when an agent for the court turned up at…
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Debt dropped off file?
Hi All Little too good to be true, so posting to seek confirmation/someone to burst my bubble. Previously been poor with money, pay day loans, now all paid off, log book loan, fully settled etc. Been looking to improve my credit history and have 3 credit builder cc which I just use for fuel each month (approx £50 each…
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V old Default Reappearing as new.
Morning All, This is my first post here, so apologies if it's the wrong format etc. Long story short, I'm currently in the process of improving my credit rating, and as such have been monitoring my file closely. Upon checking this morning, I have found a fresh entry in the name of Motormile Finance Ltd. Whilst the entry is…
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Getting a default removed
OK, long story... I had a barclaycard and a mastercard and was paying off both at £40 per month. I would phone up, pay £40 on one and £40 on the other. One month I notice that one account shows 2x payments of £40 to one account, I phoned them and had a broken English conversation where the phone operative told me that they…
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Experian Credit Expert New Format
I really hope I can get some help or information fromanyone on here :) I’ve had an absolute nightmare with Experian, with my credit expert subscription. The advisors at the company have told me they have changed the format of the report, for 20% of new customers and will not change it back for the foreseeable future. My…
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Aqua opened account on credit file
Hi, I had an alert and a new account has been opened by Aqua on my credit file. Concerned as when I applied it came up there has been a problem with your application and we will write to you to explain. This was last Saturday and I had the alert this Monday over a week later and still no letter to explain. Does anyone know…
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default removal
Could someone please advise how I would get a default removed from my credit file if it has not been paid, but is 6 years old? I have been told they 'drop off' your report after 6 years regardless of whether they have been paid or not, however upon checking the Experian report in the MSE credit club, it is unclear as to…
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Unjustified CIFAS Warning
I got rejected for a mortgage application in 2015 by Bank of Ireland with no explanation (apparently they dont have to give one). Due to personal reasons I did not try for another mortgage until April last year. I applied, via a broker, to a different lendor who rejected my application on the basis of a CIFAS warning…
