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Debt Repayment on Credit File
Hello Everyone. I was a sole trader in 2005 running a small business and at the time, I had opened a commercial business account with Bank of Scotland. In 2008, I had to close the business down and could not pay the overdraft that was still left outstanding. As I owe them and I still owe them, I have been paying them £40 a…
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Double hard search
Recently got a new car from Vauxhall and noticed that they completed 2 hard searches on my credit record (showing up on Clearscore). Is this normal to have 2 hard searches? Application went through fine without any problems. Thanks, :)
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Capital One Deplorable double hard search
Just thought I should warn ALL users that on 17 September 2017 I initiated a application for a Luma credit card to help with my low fair credit score. The deplorable company undertook a ‘hard credit search’ on the 17th and 18th the application was declined and my credit score decreased! Recently I decided to access ALL…
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Soft Search concern
Hi all I just did a soft search to see what credit I may be able to get. The info I gave wouldn't have been difficult for anyone who knows me (most people or crazy exes) to be able to do on my behalf to see my eligibility. I haven't as it's against my Morales b I could imagine if I wanted I could look up elogilibity of…
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Closing accounts, removing overdrafts?
My credit rating seems to have taken a bit of hit recently. I have around £12,000 in credit card debt, all of which is 0% interest, and all of which is being paid off so that it's cleared by the time the 0% rate ends. I've applied for a few bank accounts in order to get switching incentives. This has gone pretty well. But…
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Equifax; personal data breach
I had a letter from Equifax in January to say my personal data had been accessed; my name, D.O.B and landline! And that I may be at increased risk of text & cold calling. It was a hack on Equifax from may, 2017. They have given a 5 point list of ways to help and a complaints procedure if I wish. I'm very careful over the…
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Barclaycard/Link Financial default date
Hi I am looking for some help in identifying what the correct default date should be on an old debt from Barclaycard. I went into arrears on a Barclaycard account during 2011 and the debt was transferred to IDR/Link Financial Outsourcing in March 2012. There was no default issued to the credit reference agencies by…
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Lease hold arreas
Hi all I was wondering it anyone would be able to help. My home isn’t lease hold and the lease hasn’t been paid for four years. The lease is £30 so the total amount owed is £120. This is something I have been aware of and have been trying To contact the company to pay but dispute the admin charges. The admin charges began…
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Experian Report, settled and closed account but showing as balance
Hi I have an excellent experian score of 988 however when looking at the detailed report I noticed that's one of my pay day loan accounts (I stupidly took one out last year), is showing under 'settled' but is still showing a balance! All amounts have a green tick next to them which indicates that they were paid on time but…
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how long before paid off debt is removed from credit file
I have outstanding mortgage arrears due to selling at a shortfall. It's £11,000. The company have contacted me offering to settle the debt for £3000. I don't have any savings or 'assets', I'm retired and living in a rental home now. I have been trying to find somewhere cheaper to live but keep on being refused when the…
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Rental Exchange Scheme: Credit Ladder
Hi, Does anyone have a info on this subject. I have been paying my rent via credit ladder, a scheme to enable my rent payments to be reported to Experian, with the purpose of improving my credit score in time. I have been doing this since July 2017. None of these payments are yet visible on my report. Experian have changed…
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Credit Score Insight please
Hi, So my credit rating seems to be dropping every time I look at it lately and I have no idea why. I am on the electoral roll, havent moved around a lot, I have been in two jobs in the last 7 years, I have had credit that has been paid on time, no defaults, I still have credit (not lots) that I pay on time and not just…
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Help-My car insurance profile on Confused.com is reducing my Credit ratings every year
I had registered a Confused.com profile a few years back to get a quotation for car insurance, which incidentally I did not use as I managed to get a cheaper quote elsewhere. However every year at the same time ie at the time of renewal of insurance, my credit profile on Experian gets hit with 4 to 9 credit reference hits.…
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Mobile Phone Contract FRAUD
Evening everyone Long story short, I received 3 withheld calls to my mobile last night but ignored them. I woke up today to 3 text messages from 150 (EE) saying thanks for coming in store and upgrading etc. Problem is that I haven't upgraded my phone or been in any stores. I logged into my phone account to see that I had…
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CCJ satisfy or set aside
Hi People, I am seeking a bit of advice re next steps regarding a CCJ. I received in May 17 for £197. I only became aware of this when i recently checked my credit history. It turns out it was due to a fine for overstaying in a retail car park.. Stupidly, I gave this to my former partner to pay, we broke up shortly after.…
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Halifax credit card help!
I defaulted on this card in 2010. I received a court claim from Arrow global of which i defended. I requested for credit agreement etc. They have now sent me a reconstituted agreement. They now ask me to make a proposal of payment. I am ready to do that but what is the effect of this on credit file? Cheers Kay.
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Default removal - from default date or last updated?
Hi guys, I've been checking my credit file and have a quick question re defaults. Stupidly, I defaulted on a credit account back in April 2013 which has now been settled. The default is dated on my credit report at April 2013 and the last updated date is October 2016. I understand that defaults leave your report after 6…
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Credit Check how far?
How far do each credit check go back over? I signed up to two and one goes back further than the other. Does any more credit check companies go back further in years.
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Virendra29
Hello Mates, Can I request you all to help me to see my score? I had registered to experian through MSE few months before and could see my score. I have moved my house couple of months back and updated my electoral voter list & other accounts with my new address. I had a mortgage in those months & i could see those details…
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Unsure of Default date
Hi All, I have two defaults on my file that im trying to figure out when they will fall off my account. they are both paid off and close to the 6 year mark but im unsure on when they will actually be removed. (copied from my credit club report) Details of Account Account LOWELL PORTFOLIO I LTD Info Type Credit Card/Store…
