-
credit score in advance of mortgage application
Hi Youngest daughter is 22, lives at home and works full time. She is planning to buy her first home in approx one years time and is saving hard for the deposit. She just realised that she probably needs a credit score to get a mortgage so I was wondering if anyone here had some suggestions as to the best way to achieve…
-
Argos card took my credit rating down 4 years of trying to build it up for £5
Hey, First off, this is my fault for not checking... but I didnt check because I was sure it was paid off in full.. Somehow I had £5 left on a bill and didnt see 2 letters until I got out of hospital. £5 is nothing, I was charged £12 or £13 twice within a few weeks but I'm more annoyed that my credit has gone down just…
-
Setting aside a CCJ wrong defendant
Hello, I’d really appreciate any advice , I’ve spoken to a solicitor and they charge more an hourthan I can afford so I have to try and defend this myself. I received a warrant of execution for £3800 I’d had absolutely no previous correspondence and when I rang the court they said a judgement had been made against me at a…
-
Help.. Been so stupid
Hi All, Sorry for a long first post but I thought this would be a good place to get advice. To try and cut the story short I had borrowed a friend's card with his consent for a holiday early this year. I ended up running a gambling bill of 3k which I have now cleared thank god. I have also now stopped betting all together…
-
Car Lease with Bad Credit Score - Confused
Hi everyone I'm a bit confused. I'm looking to change my car as spending a lot of money in garage on it. I'm wanting to lease and wonder if anyone can recommend a company? In 2010 Aug, I was declared bankrupt. I then stupidly let a Catalogue account default in 2016, due to be disputing charges on it. My credit score at…
-
Correcting Unrecognised Address on File
Hi everyone, -- Can DCA ask me to confirm current address before correcting credit file error? -- Some years ago, I had a handful of Wonga and QuickQuid loans. I'm glad to see I'm nowhere near that place now, but one of those loans was not repaid and went to Gothia and Arvato for collection. Having moved house since then,…
-
Charging order on the house for deceased ex
Hi all My girlfriend is looking to remortgage her house and her mortgage advisor has advised that there is a charging order appearing against the house in the name of her ex-husband. Her ex passed away in July 2017, and this was the first that she knew of any charging order. The charging order was taken out in April 2005…
-
Default removal: default date or account ended
Hi guys, Quick question as I’ve found conflicting information and knew this was the only place I could trust! I’ve got a defaulted account dated September 2012. I made a payment in August 2016 to settle it. I’ve checked my Noddle file and it shows defaults date September 2012 correctly and the account end date is August…
-
O2 Late Payment Issues
This is a long and complicated thread, so I apologise for the length. I recently moved back to the country after 6 years away, and have zero Credit History, so my partner took a phone contract on my behalf when I got rejected for an application... This was in October 2017. The payment was due to come from my account, and…
-
Unknown CCJ just under 6 years old
Hi All I’m new to the forums and can’t find an answer to my question in full so am hoping for some advice. After leaving my husband around 9 years ago I’ve been living with my children in rented accommodation and have moved quite a lot to get away from the ex for numerous reasons. About a year ago i applied for a job and…
-
Would late payment to broadband (provider made mistake) affect my credit score?
Dear all, Following MSE for years, I had been very careful on managing my credit score. I recently switched to Natwest (£125 switching reward introduced by MSE), all went through just alright, except my broadband (Sky) direct debit. Sky said I didn't make the payment, terminated my broadband, which I had to call and…
-
robinson way
hi people. a little advice please. ive just recieved a letter from robinson way ref ex santander for £520. this debt is about eight years old and i have not paid it or aknowledged it in well over six years. if my memory is correct its for an account with £100 o/d and minmum funding requirements. i never used the account…
-
Lease Car
Hi guy, I was wondering whether a true car lease (not a PCP, no option to purchase etc) reports on your credit file? If yes, does it report as monthly instalments or as the value of the car? My understanding is as you’re effectively renting the car and not financing, it should not report at all. My partner is looking at…
-
Close Vanquis card?
Morning all, first time poster here, i was just wondering as i have a vanquis card with a low limit that i foolishly let get on top of me and it was passed to Moorcroft however it still shows on my credit file as an Active Vanquis card and my payment arrangement amounts go down on my credit file as I make payments, once I…
-
Satisfied Judgment CCJ
Good evening all - first post so please bear with me if this is in the wrong place or has been answered before. I would be interested to know anyones opinion, or similar experiences with the following. In Feb last year I was applying to remortgage and was told by the bank that my credit score was poor, after a little…
-
Your plan Currys/PC World
Does anyone know how YourPlan is reported on credit file? Mail order, loan or credit card?
-
County Court Judgement and where I stand...
Hey guys, I am just hoping someone will be able to help me. I was checking my credit score online today and noticed it had dropped significantly and it stated I had two active CCJ's against my name. They were issued two weeks apart but the address on the judgement is an address I haven't lived at for 18 months so if…
-
Low credit score that never improves...
Hey, First time posting and hoping for some advice. Back in 2013 I had some financial difficulties (lost job/split from partner) and after several months of struggling to maintain payments I finally entered a DMP at the start of 2014, 4 years later, the DMP complete and everything back on track my credit score is still the…
-
Aqua Default on Credit Record
In went bankrupt in March 2012 and was discharged in March 2013. My bankruptcy dropped off my credit record 2 months ago as did all my defaults with 1 exception being Aqua. I wrote to them but they replied saying they won’t remove the default until March 2019 as that will be 6 years after I was discharged. Is this…
-
Poor credit score
HI, i am looking for some understanding really. I am pretty knowledgeable about my credit score and rating i owned 2 properties and also purchased my first house when i was 20 years old, and owned peps for anyone who knows what they are you had to be pretty clued up, well that's what my mortgage adviser told me at the…
