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PSA Finance telling dealer I'm not on electoral roll..but I am!
Anyone got experiance with PSA finance and incorrect credit data? I have lived here for 18 months, have voted by post. Checked Experian and Equifax and its all ok. Yet the dealer says they can't find any reference to me at the address. I have provided some bills and pay slips and got my electoral ref number from the…
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HSBC - Default expiring
Hi everyone, I had a HSBC Credit Card which opened on 02/05/2007 and defaulted on 09/09/2012. This is due to be removed from my Credit File on 09/09/2018, next month, yipppeee! But firstly, I still have a remaining balance of £1292, which I have been paying on an arrangement for just £10 per month. Will the default/account…
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Debt collection agency placed unauthorised default
I have recently found out that a company named AIC put a default on my credit file in 2015 when they were working on behalf of Barclays Partner Finance (who my loan was with). I have spoken with Barclays and they advised over the phone that AIC were not authorised to do this as they never held my debt. The default is now…
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Moving debts etc to another name...
I was unsure of how to title this thread or if it’s in the correct category, but here goes, hopefully someone can help.... Going back years ago (before I was old enough to have my own phone contract) my dad took one out in his name for me, it was always paid on time etc, the contract ended 3/4 years ago and there was an…
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Credit Score
Hello All I am almost debt free! I will soon be in a position to pay off my overdraft, leaving me with just a few other bits to pay. Will my credit score look healthier if I retain the overdraft facility so that I have unused credit or would it be best to close the account down. I am disciplined enough not to use the…
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Internal Credit markers with specific banks
Hello forum members, I hope someone can clear this up for me.....I found myself in financial difficulties and had numerous defaults recorded against me in early-mid 2012. They have all now dropped off my credit report (Experian) and I have a 979 / 'Excellent' Experian credit score - I appreciate that this is only…
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changing cards
Hi All. First post so hello, and hope I am in the right place. I am considering changing a credit card. I have one card that has a 5k CL on it which I very rarely use. My thought is that I should cancel it and leave it for a month, before I apply for a new card to improve my credit score. I have no existing credit score…
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Crediva- 4th credit reference agency
http://www.crediva.co.uk Ok it's only small but it's worth people knowing about when sending SAR's etc
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How damaging are CC cash advances to a mortgage application, and for how long?
Hi there, I’m new here so sorry if this question is answered elsewhere. I’m trying to get my finances in order and have been paying off debts bit by bit, but recently found out I’ll be able to clear everything with money my Auntie left me. So, I’m closer to being able to apply for a mortgage than I’d expected. Looking at…
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CCJ - Pay in full or Instalments?
Hi all, I have a CCJ for £915. Its was filed in 2014, They have agreed that I can pay £50 month over 18month. My question is does it make a difference if I pay in full or instalments? as if I pay in full now, my understanding is the CCJ will still be hanging about on my file for another 2 years. whereas if I pay 50 over…
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Tracing on credit file
Hi Is it possible for a firm to do a trace/search of someone using any of the 4 CRA's and leave no trace what so ever so the person in question would never know about it.(so no foot print what so ever ) I have read in various places that firms can do this. Is this even possible in any way? Would be interesting to hear from…
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Tsb default - what? Why?
Hi All, Firstly, I hope this is in the correct section (if not, please remove). I'm having a TSB nightmare. On Saturday (04/08/18) I decided to sign up for the MSE Credit Club to see my full credit rating and after seeing my dreadful score I found that I have defaulted on an unused current account earlier this year. The…
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Experian
Does anyone know if a hard search on your credit file comes off to the date or at the end of the month? Foe example a hard search was done on my credit report on 22nd Feb 18, will this come off on 22nd August 18 or will it still till 31st August? Understand they stay on but they stop affecting your score after 6 months...
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CCJ - Lowell? Confusing info - what to do?
Hello, My credit report and the county county court business centre state that my CCJ judgement date is 10/07/2018 - i have tried to pay this CCJ today only to be told by Lowell that my CCJ is from January and i cannot have it removed, i can only get it marked satisfied? I mentioned to them about my judgement date but that…
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Should I close a £0 online store account?
Hi everyone, It's in the title really. I have an online account with Next. My credit limit is £5,000. I usually buy things in bulk seasonally, then pay off monthly. I have never been late etc etc and paid over the minimum. The current balance is £0.00. We are looking to apply for a mortgage . soon (within 6months?) - am I…
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How do I improve my credit score
Hi,so I currently have about 7k worth of debt and a diabolical credit score .I want to repair this ASAP. I know about not trying to obtain credit and keeping up payments to creditors but is there anything else I can do ? I can not get accepted for any type of credit so getting a credit card or loan is not an option
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CCJ and company director
Dear all, Great forum and in need of a help. I have 3 CCJ's unpaid and i am planning to start my own business along with an old friend. so there will be 2 partners both 50% share holders. Can we form a company and ii become company director? if so what will be the implication of outstanding CCJ's? CCJ's were for personal…
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Get incorrect address corrected on CRAs report
Hello, I am aware that, if I want an incorrect address to be reported correctly, I need to contact the lender(s). I do have their contacts. However... I was wondering if there is a specific format that I need to follow when requesting they report the correct address. Anybody able to help re what to say and how to say it?…
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Mortgage held up by Default
I am a first time buyer, and although the underwriter is happy with everything else on my mortgage application, he wont sign it off until I pay off an outstanding balance on a default I have on my credit report. The default is from Vodafone for an old phone contract which I took out for my brother in 2011. The outstanding…
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LLYODS is closing my account in 60 days... will I lose my other bank accounts with Barclays etc?
Hello, I have basic bank accounts with Santander llyods and Barclays. Someone tried to use my llyods account for fraud, and I was told to withdraw laundered money but I refused and the funds are still in the llyods account which has been reviewed and the descsion has been made to close in 60 days I am petrified that I am…
