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CCJ of Fraudulent Debt
Hello. Someone previously opened a catalouge account and ran up a bill in my name at my previous address. (i susspect its the person i did a mutual exchange with). Anyway after veiwing my credit file i noticed there is a default for this debt. i contacted the company and proven when i moved with my tenancy agreement and…
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How to maintain a credit score when mortgage paid off?
Morning. Hoping someone can offer some advice around credit scores please. After a 10 year self imposed austerity drive I am in the thankful position that I can pay off my house mortgage next month. At that point I am clear of all debt (no PCP car contracts, loans, mobile phone credit of any sort) so presumably my records…
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Virgin Media marked me down as Late Payment despite 'Settled' account status - Compo?
Long story short, I was closing my virgin account down and I had manually paid the reminaing balance (£40) over the phone. 2 weeks later they took the same amount back via Direct Debit (refunded 5 days later). I kept receiving mail saying we still owed them this £40 so I rang them several times about it and they assured me…
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Lowells and credit file
Just wanting a bit of advice .. got a letter from Lowell’s re a £7500 debt with EDF from 2011-2013 ... whilst I don’t officially owe that amount I do know what it’s relating to, when I first moved into my apartment I contacted EDF with readings and my first bill arrived for £2895 .. obviously this was incorrect so called…
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Address/Credit check for mortgage application
My sister has adult children both of whom are planning to purchase their own properties with their partners. I told her that there might be a problem as bothare apparently using their family home whilst residing elsewhere, for practical reasons. One in some city (in large block of flats where Mail doesn’t always reach) the…
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Cra's electoral role
Thankfuly after some late summer calls, and e-mails Experian today confirmed they have my home address recorded on their database. Only Checkmy file to update and possibly Noodle Quite astonishing what happened for past year's info, not sure why cra's never had me registered. Is it possible my change to postal vote and…
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118 118 - credit file reporting
Hello all, Has anyone had any luck with 118 118 getting to comply with amending credit files? They are still reporting on me now even though they sold my debt a long time ago - they sent me back an email last night after weeks and weeks of waiting for a response stating that I should contact Lowell who purchased the debt.…
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Trouble with Arvato
Hello, I'm hoping someone might be able to offer some advice on my situation... I've got a defaulted debt of £360, which my credit report shows as being with Arvato since 2013 and most recently on 19/09/18. I've been in touch with Arvato over the past few months trying to pay it off but am having trouble for a few reasons.…
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Improving credit scoring
Hi, title should perhaps have read - Improving my mortgage prospects after previous refusal I understand that lots of similar queries to this are posted, but I could do with some advice on my specific situation so I hope regulars won't mind me adding another request for help. Early last year my partner and I bought a house…
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Unknown CCJ
I have recently applied to move house and it came to light during the credit checks I have a CCJ I knew nothing about on a previous address. I contacted the courts who advised me it was from Eon. When I moved into my previous address I lived there with my partner, 2 months later he moved out. The Eon account was in his…
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Acceptable debt before mortage application
I have the following debts: Bank loan 1: £11000 Bank loan 2: £5000 CC 1: £2200 CC 2: £6660 CC 3: £4000 CC 4: £5500 In total ~£35,000. I am earning ~£110,000 a year. Of course I could go full whack at clearing this, but instead of clearing all of it as soon as possible, I'd like to also save for some deposit. What is the…
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Next account on credit report
Hi I've just checked my credit report and noticed that In the closed accounts section it showed 'Next' closed account, balance £145. This account was opened it 2009 on my first ever purchase on the website, I used it a few times, being naive got behind on payments, payed it off and asked them to close the account. It says…
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Credit Score issue?
Can someone shed some light on this for me? I check my credit score every month and recently (July) my score too a big hit which I found out was because one utility company recorded my activity incorrectly. During the time it has taken to get resloved all my other accoutns etc where kepted up to date and everything paid…
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Direct Debits question
Hello Quick question If you have a few bank accounts, is it better to have Direct Debits leaving your MAIN current account or a basic bank account? Would it make any difference, to say, your in House credit score with the bank?
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Trust Online and GDPR
Trust Online suggests some of the data it holds would not be included in a GDPR subject access request response: The page that's taken from has been updated to include information about GDPR. Is this correct? A Google search suggests that even information in the public domain is covered by GDPR.
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My credit file
Hey guys :D At the begining of July I had a few debts, which have now been cleared I.E credit cards & catalogues before that I’d had a few issues with money in the earlier part of the year now I’m on the straight and narrow (feeling great.) The thing is my my credit score hasn’t seemed to have changed. Even though I’ve not…
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settled or part settled does it matter?
if you have defaults on your credit file and you come to an agreement that pays off the debt at a discount settlement for example ...you owe £1000 but a settlement is £700 and you pay that amount,i believe it shows as part settled on your credit file does that have a negative affect on your credit score for now and the…
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unkown ccj on credit file
Hi Have done a online credit check with noodle and have found the a ccj that was issued last year which i knew nothing about at an old address i moved out of that address that the ccj has been issued to in 2012 i also have moved 3 times since 2012 the account that now has a ccj on it was opened in aug 2002 but says default…
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Removing arrangement to pay (British Gas)
I signed up to check my file out of interest to see how my credit score is faring and saw it was sitting at 683 out of 1000. Two things are being called which are two adverse accounts being reported. This relates to an arrangement to pay for both my historic British Gas electric and gas account in 2015. An arrangement to…
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Paying off old debt and credit file
Hi. Hopefully someone will be able to advise on this as I’m getting different answers currently from who I’ve called. I have some debt that defaulted over 7 years ago. My credit score is good again and I pay small payments to each of the creditors I owe each month without fail. Luckily I will shortly be getting some…
