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Company credit report/score
Sorry if I've posted this in the wrong forum. I am interested in peoples thoughts on credit reports/scores for a company. As a consumer, I am about to make a large purchase from a company. I would like to know that company is in good business health i.e. not about to receive my money and then falter through bankruptcy or…
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? Homeowner / renter ?
I own an apartment that is rented through an agency and I live in a rented property. When completing credit questionnaires am I homeowner or renter ? Thanks
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Default applied by Lowell but agreement in place
Hi all new poster. In checking my file I am very surprised to see a default applied by Lowell even though no agreement has been broken. No details of a default has been received. Could someone give me some advice in next steps? Thanks in advance!
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Unused Overdraft and Credit file
I wonder if i could get a consensus regarding an overdraft i do not use and if it should be looked at being increased regularly or decreased or even cancelled? personally, i assume having the facility with a higher amount not being used will show other lenders responsibility and work in my favour? or should i be using…
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Debt Collection and a new mortgage.
I have just been granted a formal mortgage offer. I thought I was debt free now. Many years ago, I feel sure it is more than six I did have some credit card debt which I thought was all paid off. So I was thrilled to get a mortgage offer. However, today I received a letter from Cabot Financial telling me I owe £54.00 for…
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MSE Credit Club refusing access
So singularly unhelpfully there seems to be no way to contact the support team for this, so posting here is the best I've got. MSE credit club for months now has been denying me access, saying I'm failing Experian's credit check, despite the fact I can log in totally fine and complete the background check *on Experian's…
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lowell portfolio nearing statutory default
Hi, this may be long winded so please bare with me.. I took out a Lloyds TSB credit card at 18, (Still in collage, no job) with a £1000 limit. It had PPI and I'm sure I was told on the phone that if the card was used responsibly over a year the balance would be reduced to zero which never happened, but I don't have any…
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Credit file repair
Hi, Would anyone know if it is possible to build my credit rating in 4 months? Looking at a new build house which will be released in December and would need to get an joint agreement in principle. My partner has no debt or loans (good rating) and we both have a sizeable deposit (30%) I have no defaults (last was 4yrs ago)…
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Credit limit query - credit report
Hi One of the main issues on my file is low utilization rate, if thats what it is called? I am wondering if i increase my limit will this improve my utilisation (% of limit used) on my credit file? so long as i dont use the extra which i dont plan on doing thanks
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Money laundering and fraud
Hi, I signed up and invested a bit of money in RateSetter last week and 6 anti-money laundering credit checks over two days have appeared on my credit file!? I've sent them an e-mail to complain about this but is there anything else I should do to? I've also received a letter saying welcome to O2, saying I've bought a new…
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Help with credit report
Hi, I had a Payday loan from payday uk in June 2016. I’ve started paying a few debts now but can’t find this anywhere. On my credit report the balance of the Debt shows DA and 0 balance and shows under the settled area of my account since January 2017. Balance was 2600 prior to this and I am wondering where this debt has…
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Sorting out a delinquent account
My wife has an account on her credit file which has been marked as 6 payments late for the last 2 years. No default notices received and the creditor is not chasing at present. What is the best way of dealing with this? It seems a bit tricky to go to the lender and arrange a payment plan when they could then go ahead and…
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Requesting a default to improve credit rating
Hi all, Just after a bit of advice on defaults and credit reports. In Q3 2012 I had run up unsecured debts of around £20k ( aged 23!). I entered into a DMP with Stepchange/CCCS and managed to repay the debts within 4 years due to most of my creditors kindly freezing interest and charges! All my debts are now settled :j…
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Defaulted credit and its consequences
Dear members, I would like to ask your help with an issue I have with a credit defaulted. At the current stage I have not yet requested a full credit report but just used the free online service offered by Checkmyfile.com. I have noticed that an unpaid credit I had back in November 2014 has been reported as defaulted in…
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Noddle can't verify identity -Identity Theft
I was recently contact by the HMRC Fraud Office telling me that someone had stolen my personal details and set myself up as the Director of a number of bogus companies I phoned the National Fraud Hotline to report this and they advised me to log onto Noddle website to see what loans had been taken out in my name over the…
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In a bit of a credit pickle
Good evening - thank you for coming across and reading my thread. I have encountered a problem and I would like some advice and should anyone have any knowledge on this, it would be greatly appreciated. I have recently completed on a house purchase and I am now paying a mortgage. After I had completed on the purchase and…
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Challenging a default
Hiya Basically I've had a default on an account that is 3 years old. So another 3 to go. It was from a credit card balance that I could not pay at the time. The bank that I had it with just sent me a letter with a cheque in it this week, explaining they did not take into account my circumstances at the time and were…
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Cifas
Hello, I would like to know how to post as I need advice. Back in February 2017 myself and other members of the community were introduced to a guy called Patrick Kalonji. I invested all my savings and some from my family and friends in the UK and abroad. In July, a friend told me about a business opportunities to open a…
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Moving to a new place
Hi I have recently moved to a place of my own from my parents. I have only changed my address at work, gp and hospital. Obviously my bills are in my new address. I haven’t informed my banks of my new address and it still has old address on my credit files. I don’t know how long I’m going to be here for and my mother said…
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2 CCJS from the same company but the court names are different
Hi, I!!!8217;ve tried reading lots of threads but haven!!!8217;t found one similar yet. I had a ccj issued in Dec 2012, I have never paid anything and I have never been chased for payment. Last week I gotta letter with a new claim number for a new amount from County court Business I checked my credit report to check the…
