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Credit Help
Hi folks, Discovered this site a few weeks ago and hoping someone can help me out! I understand from reading on here that the credit score you get from the 3 main CRAs are basically made up, however all 3 are scoring me as very poor so figure there must be something in the scores. The background to this is that I recently…
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Lower credit score?
Hello im a bit confused about cresit scores, im largly in debt and in January owed arround 39k with a noddle score of 564, Im niw in debit of arround 32.5k and my score is lower currently at 562, can someone explain why?
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Ccj
I've had a friend on the phone this evening in dispair and distress! Basics, applied for a loan, never ever had credit previously, was declined. Applied elsewhere, declined instantly. Tried with their bank, declined (26 years same bank!) Checked their credit file, all good besides one warning, CCJ for £242,000 issued in…
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Capital One Credit File
Just signed up to the Capital one credit file..and my satisfied CCJ"s are showing as £36600 and £25100. They should be £366 and £251 and show on the both clear score and Noddle as the right amounts...obviously tried contacting Capital one but no answer as want that corrected. Any point raising a complaint or just chase…
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M&S Credit card login security questions
I opted out of paper statements for my M&S card, so i could view my statements online. When you register online to view your statements you have to set 3 answers to 3 security questions from a list of six or more. All good so far but when i log in, i am asked to answer a security question to which i have not set an answer.…
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New country - credit score?
Hi all, I moved from Ireland to the UK 3 years ago, directly after uni. Luckily I have no student loan or anything to pay back but I have been paying back a small loan of about €5000 ever since I left - on time every month. Apart from that I have nothing else to impact my credit score in Ireland {apart from a warning from…
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Credit expert cheque for £50
I have received a cheque for £50 from Credit Expert. This is because i was the victim of a bogus mobile phone application made under my name. Whilst i supposedly had protection from their anti fraud service. I have not persued any reward from them, the cheque arrived unexpectedly. Are they trying to address the claim on…
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co owner for car insurance .
Been asked to be co-owner of car so that my 21 year old niece can get insurance more cheaply on a new car . Her parents have bad credit history . Is this the same as being guarantor for payment of car . Would I be held liable for car payments if she doesn't pay or am I just liable for car insurance payments if she doesn't…
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Credit file
Hi, I'm checking my credit file as i recently inherited a bit of money and want to clear what debt i have and I have a lot of questions about what i am seeing on my file! (apologies in advance!) Currently my file shows (noodle and experian): 634 for an old capital one card, to cabot credit as original default 31/07/12.…
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Experian Report - Missing Details
Hi Everyone, as I'm looking to get a personal loan for my wedding I decided to look into my Experian report in depth to figure out what was there and how I could improve it. I paid the £14.99 to be able to check my report on their website and I found for my surprise that there wasn't any information in there! I have been…
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Nattionwide mortgage declined despite fitting criteria
Hi, my husband and I applied for a mortgage with Nationwide in Feburary and were turned down due to a previous bankruptcy, notice of correction and problems with our credit files. We spent a lot of time cleaning up our credit files, ensuring there we no notices of correction etc. I rang Nationwide explaining the situation…
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Aqua Card missing from Experian
Hi Guys, I've been rebuilding my credit and have been very happy with the results to date. Quick background, I was stupid with credit about 5 years ago when I moved to London, being a grad in an expensive city with an entry level job (no excuse but it is what tit is). Since then, I've paid off all my debts, have savings…
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"Tainted" address
We had a tenant in a rental property who moved out last October owing £5000 rent. We have just this month obtained a CCJ against her but don`t expect to get much back. Since she left letters have been sent to the property from other people who she also owes money to. We have contacted them but the letters are still coming.…
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Unable To Gain Access To Credit cLub
I’ve never been able to gain access to MSE Crecit Club. Every time I login I get a page stating “Verification Pending”. It’s been like this since the launch and I receive the monthly email only to be met by this page and a message saying “These checks will usually be complete within 2 working days, so please come back to…
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Car rejection affect credit score?
Afternoon, I've posted this on Motoring as well but it's also PCP finance related. By rejecting my car within 6 month window and using part PCP finance on the car, will my credit score be affected? and how Thanks
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Failed car rental identity check
Hi all, The Enterprise rent a car branch in Manchester airport refused to rent me a car because I failed their identity check. The rental was prepaid by a credit card and I brought passport, bank statements with me in case i need to prove my identity. But the manager there said computer decides everything and it is not…
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Alternative access to free Equifax report
In the light of Clearscore being acquired by Experian, it’s likely they will start offering an Experian based report for free rather than Equifax. You can now get your Equifax report free from Capital One Creditwise: https://www.capitalone.co.uk/creditwise/ You can see the score (and ignore it!), and also all your accounts…
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15 year old SIM contract
I've got an old 3 SIM contract on my credit file that was taken out in 2003 and still reports to my credit files every month. It doesn't cost me anything as it's the old 3ToGo tariff with no monthly service charge, just calls. Will this be looking favorably on my credit files or would they actually improve if I cancelled…
