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Why is disposable income rating so weak?
My disposable income rating is v weak and was wondering why? I have a decent credit score of 955 but the only reason it's not higher is due to the disposible income rating. Debt ratio rating is v good Credit card utilisation is excellent Disposible income v weak Briefly, My income is £85000 and my wife £20000 Mortgage…
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Default nearly expired
Hello all, I wonder if someone can help. I have an old debt for £270. The default date for the account was 25/08/2012 and it was fully paid off in February 2017. I am looking at my credit record and it is still showing along with 5 missed payments from the months before it from March 2012. It was my understanding that…
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Default help - Capital One
Hi, Basically, I did a DRO approx. 8 years ago. About 3 years whilst still in the DRO I took out some further credit cards with the plan to use them and improve credit rating, one with capital one and another with aqua. For a variety of reasons (about to be relationship breakdown, then homeless, and then job loss) ended up…
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Uninvolved Bank Searching my File
Hi Everyone My first post! I just checked my credit report and found four instances of Royal Bank of Scotland doing hard searches on my account, four times in the last four months, two searches only had 6 days in between them. I've applied for a remortgage with the Halifax so expected some hard searches but I don't bank at…
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I’m 22 with a ‘very poor’ credit score. Is my life over or is it saveable?
So I’m 22, from the UK, graduated from university last year and have been working since. Since the last year I have had student overdraft debt for which I’ve missed a few payments, my previous job was pretty low paid but it wouldn’t have been a problem had I properly budgeted and expressed more self control with certain…
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Utility Bill Issues
Hi, In 2013 I received a default from a utility company for unpaid bills. I continued to live at the property but didn't speak to them again until 2015. At this point I pulled my head out the sand and faced my issues, paid off the default and money owing for the period from after the default to the time I called them. I…
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Pounds 2 Pocket incorrect Information
Hi, Long story short I entered an IVA in Feb 2014, I completed it early in Oct 2016 and am in the process of cleaning my Credit file up. Experian and Equifax are both fine and the info held is correct however Noddle is a different case. Pounds 2 Pocket, who were a creditor included in the IVA have 2 loans (only ever had…
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IVA completion and credit file
I'm hoping someone here can advise... neither Step Change nor the ICO have so far been able to help. I took out an IVA in 2010, and completed it in 2016. My credit file is now clear except for one debt for £10 with T Mobile. T Mobile did agree to participate in the IVA agreement. The original T Mobile default predates the…
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credit issue / mistake
hello! so a bit of a long one i will try to make it short. went to buy the note 9 online from CPW with the extra £200 trade in but also signed up for a voda sim only for £15 a month to bring the phone down another £60 however i failed the credit check... i was very surprised to say the least. so after may calls with some…
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Error on Credit Report
Please can any one help! In 2013 I lived at address in Reading, at the end of the year I moved back with my parents to Oxfordshire. I recently got my credit report and found a pay day loan had been taken out in my name at the address in Reading in 2016. But I have not lived at this address since 2013. I contacted the money…
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Should I be concerned with searches on my file?
Hi Couple of strange searches on my file in recent months that have me questioning whether there are attempts to take out loans on my name. I get monthly reports from Clearscore and Noddle and keep an eye on my history - long story short but I am 2 payments away from clearing my DMP with Stepchange and so keep a close eye…
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paypal credit
Does anyone know if Paypal credit report late payments to the credit reference agencies? I have stupidly paid my balance 3 days late!! I have been so busy helping my brother ( see other thread) that I have neglected my own affairs!! Not sure if Paypal creditreport late payments??
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Debt relief orders
Hi I had a debt relief order granted in February 2017 but I recently checked my credit file and two of my creditor's are still saying I'm in default all the other creditor's have marked my account as settled should they not have done the same
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Credit club annual income confusion
Hi all, stupid question on my part but I noticed with the credit club that below the income field it says e.g Bonus, Pension etc Normally I've included my base wage and estimated bonus, however the mention of pension confused me, could I include my pension match figures here or does this actually mean a state pension? For…
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Fraud debt & default
Hi All So im in a bit of peculiar situation... me and my husband applied for a mortgage at the beginning of July, having checked free score and Experian with good records. The mortgage company rejected and said there was an adverse credit risk and I was asked to check Equifax. This immediately flagged a default with a…
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Business Bank Account & Credit Rating
Hi, I can't seem to find an answer to this online so I am wondering if anyone here might be able to advise? I am named as a treasurer of a local sports team that is being set up and the chairman has asked me to open a jointly held business or charity-type bank account with him for the team. However, I have concerns about…
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Joint Account with Ex Wife - Does it affect my credit?
Help! Going through a divorce currently but my ex wife and I both hold a joint account solely for the purpose of paying the mortgage on the jointly owned property. If she gets any adverse credit rating while that aco!!!! remains open, does it affect my own credit rating? James
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Eon - lowell ***ombudsman update***
just received a letter (supposedly) from eon along with a letter from lowell (same envelope) writing to inform me that as of 24/05/2018 a debt of £594.04 has been sold to lowell contact number at the bottom is lowells 1: this dates back to ???? , as I moved properties in 2011 and informed eon and indeed continued to use…
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Please can someone help me!
I am a 26 year old man. I have a credit card with Tesco it’s a foundation card, the balance is £800 and I have an overdraft with tsb amounting to £1000. because I get paid weekly I pay £50 off either my credit card or my overdraft but I make sure that I make regular payments on both. It’s taken me little over a year to get…
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When can a creditor default your credit file?
I had a utility account at a previous address, the date of opening the account and moving in goes as far back as May 2014. I had endless issues with tariffs, setting up direct debits and making payments online at the beginning - various phones calls, emails and letters were exchanged. So rather than paying monthly like I…
