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Credit file & ratings
Archives for May 2018
Discussion List
Today marks the start!
Roll back to 2011/2012. I was in a debt cycle, taking out payday loans, not able to pay utility bills and in a bit of a nightmare. This resulted in having 9 defaults registered against me and a CCJ for a cherry on top. Lessons learned, money managed, being sensible means for the last 6 years the credit I've had (1 credit…
Credit Card transaction refused Credit lint lowerd for 13 hours
The amounts here are too trivial to warrant any action but I'd be interested in comments. Yesterday I was chatting to the FOS getting advice in advance of contacting an insurance company and I'm pleased that their advice was great and the insurance company without mentioning the FOS are doing the right thing now. While…
Lack of credit information
I have looked at myself on Noddle & Clearscore but tried to join the MSE Credit Club but I kept failing the verification process with Experian. A bit concerned and after much hard work I managed to get a hard copy from Experian, still can't get online though. The thing is, on any of my credit reports there is very little…
Repayment Plan
Hi, Could anyone help determine if this is correct on my credit file. With Sunny the payday loan company I am on a repayment plan with them but in the Sunny website they have listed as the last few payments as overdue as their system is expecting the originally planned amount to be taken whilst they changed my direct debit…
JD Williams Account
Hi, I have a poor credit score due to outstanding previous debt. I am in agreement with the debtors and paying each month to those. My credit file was beginning to show signs of improvements, and I was able to get a JD Williams account. The amount that they gave me as a credit limit was £150. Now I have had the account for…
Late payment
I have noticed that Ikano have recorded a late payment on my credit file due to a returned direct debit in September last year. The payment was a made a few days later by using debit card in the same month. Based on this can i request that the mark is removed? Thanks,
One off £20 payment I did not even owe is ruining my credit score
Many years ago I purchased a two year phone contract from Orange which ended in June 2012. At this point I paid them £20 to get my phone unlocked so I could switch to another provider, however they never sent me the code. I could only contact them via email and after sending many over the course of 7 weeks I never received…
Default removed then returned
I had a default 6 years ago with vanquis and Lowell now have the debt. The thing is im now keeping an eye on my credit report and once the default hit the 6 year mark Lowell closed the account but they also opened a new account with the same default. Are they allowed to do that? I thought defaults would no longer effect my…
Old payday loan debt on credit file
Hello, Back in 2012 I got into a mess with payday loans that spiralled out of control. I managed to get help with sorting them out but didn't realise there was one still not settled. It is on my credit file but the company that its named under isn't the same as what I took it out for. The payday loan was with…
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