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Eon & Equifax score - help please!
Hi All, So I've known E.on have screwed me royally with Equifax for some time. Briefly - They didn't bill me for 4 years, I rung em up about it and they couldn't find my account, 4 years later they send me a bill for 3.5k, transpired that they had the address ect wrong it was with building company. I speak to citizens…
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After 5+ years of paying off, Lloyds only just added Default
Back in 2013 I hit the buffers and ended up having to setup a Voluntary Arrangement (via Payplan) with my creditors. I've been paying them off ~£1k / month since then and have now just finished paying them all back. :) To my horror I found that Lloyds current account had not declared Default way back when we entered the…
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Cash advance removal?
Hi this may be a silly question, but has anyone ever managed to get a cash advance removed from there credit file?
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my credit score is not going up
iv tried everything to get my score to go up at all, iv tried everything in the MSC on credit score improvment. iv got even a credit card and pay that off every month. iv started from november, got my credit file and saw some defaults (4 years old) which i paid off all in one go, what am i doing wrong as i need to apply…
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CCJ sent to old address
I've just checked my noddle credit report today and found a CCJ from May 2018 for £348 registered to an old address that I haven't lived at for a year. I have no idea what it's for and don't have much in the way of credit so I'm really confused. How do I go about finding what it's for and fixing this? I can afford to pay…
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Amex churning and Mortgage
Hi everyone, What's your experience with churning American Express rewards cards while planning to get a mortgage? I have 2 Amex Gold credit cards (the Rewards and the companion), a Virgin Rewards Mastercard and a Halifax Clarity cc. I've referred my partner as well for the Amex Gold credit card, but her application was…
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Mortgage application accepted then declined
Hi, last Wednesday I applied for a mortgage with Santander. I don’t have a great credit history but everything bad on it is over 4 years and old and since the adverse credit my accounts have been perfect so I was advised Santander would be a good option for me. Everything was going great, I put my application in on…
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Credit & Future Mortgage Application
Hi, I have an interesting situation for which I am looking for some advice. My wife and I are wanting to purchase a house in the next 4-5 years, which is about the time we need to save for a deposit to buy in London. I have a good credit score and a reasonable amount of savings thus far, but my wife has a much lower credit…
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Financial Associate Defaulted Account
Hi there, I'm after some advice on whether it's worth financially disassociating myself from my partner as he has a default on his credit file. The default was from back in April 2015 (for £336), and since November 2015 we have had a joint account. I didn't realise until recently that he could be affecting my own credit…
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Electoral Roll
I have been living in a caravan on a friends farm for a few years and they wouldn't let me use their address to register for the electoral roll. My post goes to another friends address but due to them being on benefits I cant register there either. If I register as homeless with a local connection to a friends address,…
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Frustrating credit report Experian
Hi I have still got a poor credit score 697/999 on experian. Did it through this site and got a full analysis re credit report and an affordability rating. Everything is positive.... No. Issues with payment history , amount of credit etc nothing negative at all and affordability for loans rated as high. ONLY negative is I…
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I can't sign up to Noddle
So I was advised earlier today by my mortgage advisor to sign up for Noddle in order for us to look at my credit report. Upon getting home from work, I got to it straightaway. I filled in my personal details (name, email, contact number, address, etc.) and then I was asked some security questions (such as who I bank with,…
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Can you have someone removed from using your address for loans?
I have a friend whose son has been taking out payday loans without her knowledge. She found out and bailed him out to save the extortionate interest rates. The son isn’t working, he’s just finished a temporary job. She’s just found out he’s been getting more loans which add to £900 so far with a 1200% interest…
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Re-mortgaging, is it a good idea to open an ISA Simultaneously?
Hi I'm new to the forum and looking for some advice. I bought my house a in Feb 2016 and now plan on releasing equity from the property for home improvements. Myself and my G/F were hoping to do this in February, but due to personal circumstance had to put it off for a couple of months. We have started the process and…
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Tesco or M&S
I am trying to decide which 0% interest credit card to apply for. I already have one Tesco CC that is nearing its limit. How successful (or otherwise) have people been in getting a second card? Have they been as generous with limits and did you still get the maximum interest free period? How choosy are M&S over their…
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Moved Home, how long does it take to reflect on the credit file
Hi, Just out of interest, how long does it take for a credit file to be updated with the "current" home address.
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Electoral roll caution on credit file
I've just checked my credit file and it shows cautions for the electoral roll. I've been registered to vote at my current address and previous two addresses going back 10 years. Does anyone know why this might be showing?
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CCJ threat
Hello.I hope this is the right thread. I have a debt from an old employer, they started CCJ proceedings but we came to an agreement that I would pay the debt off over 2 years and they would stop CCJ proceedings. However the debt company that was trying to get the money back has added over £1000 worth of “costs” I have been…
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Pay credit card balance after the statement received or every week or after significant expenditure?
Hi guys, Is it better for the credit rating to pay credit card balances after statement are received or every week (or straight after the significant expenditure)? Thanks.
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Personal Credit Application saw Limited Company Credit File checked.
Hi. I work as a freelance project manager offering my services through a limited company, paying myself salary and dividends leaving very little (single digits usually) in the company coffers. I recently opened a 123 credit card account with Santander. During the application process I stated that I was self-employed…
