-
Shop Direct (Very) late payment markers no default
Hi In May 2012 I entered into a five year Debt Arrangement Scheme. All of my creditors except Shop Direct (Very) defaulted my accounts whilst Very kept applying late payment markers. I contacted Very not long after I started my DAS asking them to default me, they refused saying it wasn't their policy to default accounts in…
-
Credit rating causing my a big problem
Hi, I own a property and all my details are registered their. My driving licence, bank, passport etc. My mum has lived in the property for around 10 years on her own and claims housing benefit which the council are fine with and she pays that to me towards the mortgage. I have lived all over the place various…
-
Duplicate record on file help please
Hi Just checking my equifax file. I have on there a Default from Barclaycard account ending 4003 from Jan 2016. Further up is an entry from Link Financial with a default for the account ending 4003 from February 2016. The one from BC shows as settled but there is clearly a D in red on there and the Link one is showing as…
-
Credit check without consent.
Hi, I have recently moved into a new property and the energy supplier has completed a 'hard' credit check on me without my permission which has of course negatively impacted my credit score. I am obviously upset about this especially considering the fact I have not confirmed to the company that I will be the bill-payer at…
-
Getting incorrect defaults removed (Lowell related)
EDITED Ok contacted Lowell who say they will remove 1 of the accounts as its been over 5 years or should I say they say they will attempt to. Credit card one which shows as "account in query" they say I have to wait until they hear back from credit card supplier despite it being over a year since I disputed it and 6 year…
-
NatWest Overdraft Default - questions
Hi Have a default on my files for NatWest for an Overdraft that defaulted in May 2013 with a balance of £2874. The account shows under "closed" on Clearscore but with the amount still owing. I want to apply for a mortgage soon - do I risk waiting for it to drop off next year and hope a CCJ isn't applied (surely they would…
-
CCJ on credit file how do I find out about it?
Checked credit score to find a CCJ on my file activated this march but has my old address down. I moved house 18months ago. I have a reference and have done a search but it does not give much information as to what it pertains too. I've never had a parking ticket, missed payments or anything like that. Is it worth…
-
What happens if a CCJ is over 6 years old but debt not cleared?
Hi Hope you are well. After selling out home in 2014 (with lots of lovely advice and encouragement from MSE members) we paid off our debts, moved into rented and have spent the last 3 years saving and rebuilding our credit files. In October this year my husbands 2 CCJs will be 6 years old. These are the only debts not paid…
-
Incorrectly linked to someone on credit report
Hey, Just looking for some advice please, I previously had an account with First Direct - a joint account with an ex partner which he closed down approx. 3 years ago. Last year, I logged in to Noddle and noticed that I had an unknown person under the "financial connections / other names" section She has the name first name…
-
Virgin Media
Hi i have a broadband/tv account with Virgin and i have done since 2004 and never missed a payment..I'm struggling financially and would like to downgrade ny account for a cheaper one but im worrying i wont pass a credit check if they run one as I've had debts go to a debt collector which they are accepting a reduced…
-
Repairing Credit After 6 Years Of Bad Credit
X Hello I!!!8217;m after some advise please regarding repairing my credit rating. A few years ago I ran into financial difficulty and my personal debt spiralled out of control. I defaulted on several agreements, mostly were payday loans and mobile phone contracts. I managed to get a few defaults removed however seven…
-
Why is my credit report bad, yet doing nothing wrong?
Hi, can anyone please tell me what I'm doing wrong and why my credit score is so poor? Ive been living at my home address for over 7 years, I'm on the electoral role, I pay all my debts, credit cards on time every month and ive even looked at all 3 of my credit reports which all show as positive and ''on time'' payments.…
-
Clearscore acquired by Experian?
Hi, I'm a bit confused, I though clearscore.com was showing Equifax data, but they've been acquired by Experian in March 2018, so how will that work? Given that Equifax and Experian are competitors? Will Clearscore now display Experian data?
-
Credit Score confusing
Hi all I can't work my credit score out. I am down as poor on 2 of the agencies and good on the third. All the info is correct on all 3, I have no CCJs or defaults, all payments are up to date and I'm on the electoral roll. I am using around 25% of the credit that is currently available to me. So what's with the poor…
-
Repairing credit rating
Hi Until recently Ive had very high credit card utilisation and thus a low score. Ive now been in a position where I can start paying all of this off gradually. I havent missed any payments in last 6 years, no defaults or iva, bankruptcy. Im monitoring my credit score on clearscore like a hawk. My score at the end of last…
-
Lowell Portfolio - chasing paid debt
Some advice on what I can do would be much appreciated. I paid a debt via my debit card for my ex partner back in October 2017. I quoted the reference number to Lowell and paid off the account in full. Turns out I have underpaid by £10 but that’s another issue. 7 months later, my ex has received a letter saying the full…
-
Can debt collectors see card applications?
About 7 years ago I went out of work and defaulted on a lot of cards/loans (about 40k in total), which I have paid a pound a month on since (so no CCJs etc). I am now back in work, in a decent job at 28k pa, and thinking about making settlements on those debts. I'd like to do this in my own time, choosing who gets the…
-
Any reason to pay back debt no longer on credit file?
Hi guys, just looking for some advice that I'm struggling to find the answer to online... I have a default on my file with an outstanding balance of £2380. I have been paying off just £5 a month for a long time while I pay off more urgent debts (This one is frozen and I am not paying any interest). I have finished paying…
-
To have an overdraft or not?
Hi All, I was wondering if someone could offer me some advice please. I'm in the process of paying my debts off and sorting my credit file out. My question is this; I have an overdraft of £250, however from a credit report point of view, would it look better to cancel this, or to keep it and not use it? I was wondering if…
-
CCJ, which date??
Hi guys, When looking at my ccj, from which date does the 6 years start? Judgement date or date satisfied? Thanks Dom
