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interest freeze
Morning all, for the last 6 months or so I have been on an interest freeze for my Creation credit card accounts and also my Barclaycard platinum. This was offered to support me with some ongoing health issues. When this support was offered I was assuered by both lenders that my credit file would be unaffected. Barclaycard…
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Ccj that has been set aside
Hi there I’m looking for help. I have just recently got my Ccj set aside by the county court as it was put on my records by mistake. Hartwells finance issued it about 2 years ago but I only realised that I had a CCJ in October 2017. After months of talk with Hartwells Finance who have admitted it was their mistake and…
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Default confusion
I have a default on my credit report from Lowell ( debt bought by them) the default was added 3 months ago and the default amount is £1750 however the actual balance is showing at £5100? Is this charges Lowell have added to the account since the default I don’t understand why there are two different figures. Can anyone…
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Received a CCJ for a statute-barred debt?
Hi All, I'm looking for some legal advice. I'll try and keep this very concise: - I had previously had an account with Littlewoods at the trailing end of the last decade, however due to a dispute with them taking more money from my bank account on multiple occasions and me actually having paid off most of the debt, with…
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Quotation/Preliminary Search appearing on Others’ Searches section of Credit Report
I have recently been declined for a personal loan. As suggested, I contacted the two credit reference agencies used to get copies of my credit reports. I am waiting on one, but have the other from Callcredit Check. In the Search History section under the section where “searches may be seen by third parties when they check…
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Advise on credit
Hi all, First post so please go easy... So.... my credit score is very poor according to experian and I'm looking to improve it. Here's the background. Was living with my ex , and to be honest we were living beyond our means, I purchased a new motorcycle in 2016 on finance for £4,500 ( never missed a payment ), shortly…
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how long will my blacklist last ?
i borrowed money from banks and used all my overdrafts, 3 years ago. when should i be able to get to borrow again, now im in good job etc and wont make the mistake again. i still getting bills from debt recovery companies though
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Financial Connection
My wife and I are buying a house and the solicitors have performed a search for money laundering prevention purposes. We are now both listed as having a financial connection, even though we have no joint loans or any kind of credit. Can I get the connection removed from both reports? Obviously we are informally financially…
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Equifax/Experian can’t find me, help!
Ok so, I’m trying to take out a phone contract with Tesco mobile, saying some of my details are wrong, so I call them for them to tell me that there must be something that isnt matching up with my records. They recommend trying Equifax to check what it is that isn’t matching up, put all my details into that, nothing.…
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NRAM Appeal for AP removal
Hi, Just wondered if anyone has successfully managed to have AP markers removed from NRAM? I have markers on my report from 2011 to 2015 when the debt was paid. I have successfully managed to have markers removed with Barclaycard but I wondered if it was worth approaching NRAM with the same request? Unfortunately, this was…
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Blocking RAC taking more money. Will my credit score be affected
Hi all. I have scrapped my car and therefore no longer require rac breakdown cover (this is breakdown cover only and not insurance). I called up to cancel and they wanted 55 quid!!. So I have decided to cancel the direct debit and ignore any "we have been unable to take payment" letters. Now my question is: will this…
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Account not on credit report
Just noticed that my current account (Flexaccount) with Nationwide doesn't show on any of my credit reports. I'm registered with Clearscore, Noddle and the MSE credit club and its not on any of them I thought maybe because it doesn't have an overdraft on it but neither does my account with Halifax and that gets reported on…
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Default status
I am looking for some advised as I feel like I'm banging my head against a wall and going round in circles. My Partner has a default notice on his record from 2015 – it was paid in full in 2016 however it still does not show as paid, it is a zero balance on his credit report but still says 'defaulted' in the status. My…
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Experian customer service (lack of)
Does experian actually have a customer service department that respond to emails? Earlier this year I looked at my credit file, and looked at the default dates (been on DMP ), and noticed that 1 default date was 3 years after the others. So got in touch with experian/credit expert as per their instructions about…
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Improve Credit Score - New Strategy?
I'm 26 and beginning to look into mortgages (although it will most definitely be a few years before it gets serious). My score is on the average to low side, so says Noddle. My question is, do you think it would make a huge improvement to my credit score, say if you were to take out a credit card, put £200 or so on it, and…
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Equifax error on OHs account & they wont remove it?!
Hi, I’m just wondering if anyone has been in a similar situation and if so how they managed to resolve it? OH and I have made an offer on our dream house but the mortgage application is on hold due to an error on OHs credit report so we’re risking losing the house :( Equifax have added someone with a similar name’s default…
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Credit score plummeted after card balance transfer. Why?
Hi chaps. I had a barclaycard with the free Experian score in the app. I had a ‘very good’ 944 from 999 until I transferred my balance from barclaycard to a virgin credit card for the purpose I’d get a term of no interest to pay. Can someone tell my why that has happened? It’s took me many years to build that up and I’m…
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Error on my credit file
Hi Wondering if anyone can help. Shop Direct (Very) have applied a late/failed payment to my account. I have spoken to them numerous times (worst c/s ever) and they confirmed in the final call in Feb that account was closed. I ordered a washing machine that was broken so they collected and refunded but didnt refund the…
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Incorrect Default Date
So my story is I entered a debt management scheme in early 2012. I had 5 credit accounts which all had defaults applied to between 4 and 6 months of the first missed payments. 4 of these defaults are due to expire in August this year (6 year mark). Looking at my credit reports, the default applied to the one last remaining…
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Incorrect Information on Credit File - Benefiting me?
Hi, I have just accessed my credit file and noticed that there is an address I am linked to at which someone (not my name/dob/address) has a long history of always paying their credit on time, has a much larger amount of credit than me, and has barely used any of this credit balance. My credit score is already 'poor' (just…