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default date
Hi, Sorry, I've asked this before but I noticed when I check my credit report on noddle and a bit confused. One of the account shows date of default is 14/09/2013. Account end date is 1/9/2016. Balance is £0 and status satisfied. The status history shows the red D circle in Sept 2016. So the default date is 2013 or 2016?…
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CCJ Not Registered
A debt collection firm took me to county court in June 2018 for an unpaid credit card. I defended on the MCOL website and proceeded to court. I tried to defend in court but they won and the judge advised me I would have 28 days to pay the balance or I would get a CCJ. I was unable to pay in full, but I came to an…
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Vodafone, Lowell and GDPR
Hi I hope this is in the right place, in 2015 my Vodafone contract with Spotify as an extra was coming to the end and I was offered to change my contract. I went onto a sim only plan which in turn cancelled the Spotify account I was paying extra for. I had lots of issues with Vodafone prior to this and was simply trying to…
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Cancelling a CCJ
Hi, To cut a long story short, last year I sold a fully functional item on Gumtree and three months later the buyer says it doesn't work and demands and refund. One year on, after a very lengthy small claims process, I lost at the hearing ('innocent misrepresentation') and owed nearly £400. I paid the full amount to the…
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Credit Checks in Bank Recruitment
Hi there, I have been offered a new job with a major bank in their payroll department, however this is subject to credit and security checks. My credit isn't great due to issues I had in the past however I am not and have never been bankrupt and have never had a CCJ. Has anyone had any experience with this? It's an admin…
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Is it worth Building Credit Rating While on a DMP/Default?
So I’ve realised my cerdit score is atrocious and I’m trying to build it up with a credit building credit card, using credit ladder and loqbox.... But is it worth doing this while I’m still paying off a DMP and still have defaults showing on my file? Everything I’ve read talk about building your credit after a DMP. Why…
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Partial settlement
I've got a charging order im hopefully going to pay off in the next few weeks...this dates back 8yrs. The company Link finical have said once paid (settlement figure not full balance) they will update credit file with partially settled. Will this then reactivate the negative marker or not show due to the 8yrs thats passed…
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Credit score help please
Hi, Looking for some advice! I checked my credit score for the first time, so a little unsure if there’s anything I can do here....... I have 1 red point which is that I have ‘opened a new credit account in the last 6 months’. Looking at the list on it, it is referring to my AA car insurance renewal from 2 months ago. I…
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applying for credit card to improve credit score
sorry if this is in the wrong forum i was thinking about applying for my first credit card with capital one, and then buying a mobile phone worth £600 and then paying off the credit card in instalments for the first few months before paying off a lump sum. is this do able or is this a silly idea? i really need to build my…
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Credit File Removals After 6 Years
With reference to this old thread from 2016 https://forums.moneysavingexpert.com/discussion/5475895/when-will-a-default-disappear-from-credit-report (now closed, so I can't update) I defaulted on a loan in 2012 and have been making collections payments ever since. There was some debate as to whether it would disappear from…
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Equifax Search
Got the following search on Equifax; Identity Verification Tracesmart-globaldatacompany Anyone know who or what or why ? Thanks John
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Santander defaulted Account £14.98 0 balance 14 months
Hi All I need help and advice. After unsucessfully applying for a loan, i look at my credit rating and discovered a defaulted account. In Summary, i paid the remaining balance of a Santander account so i had a zero balance in April 2016. From memory i phoned to cancel account but they say no phone calls were made. I do…
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Credit File Error
Hi I need some advice. I applied for a Trust Deed in 2015 due to Barclay Card debt and a couple of other things, however Barclay refused to accept it so it did not go through. Since then i have heard nothing from BC and the Trust Deed has shown on my Credit File I ignored it thinking it was an error and would leave it…
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credit report questions
Hi, I just want to confirm, if my account went into default in Sept 2016 and was Settled/Satisfied in Nov 2017, the 6 years period will be from Sept 2016 or when the debt was paid off in 2017? And if I separated from my ex, will I be connected with him forever? Or it is something will drop off in period of time as well?…
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Play off loan for high score or pay off defaults keeping score low?
Hello experts... As per Experian, I have a "very poor" score - verging on "Poor". I have 1 CCJ to pay off and 3 defaults - totaling £2000 when combining all 4. I also have a loan that has the option for an early pay-off that totals £1500 to clear. Based on a previous credit account (tv/phone) that I decided to not continue…
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Very late payment
Hi All, First off I mean Very as in the catalogue... not a very late payment just to be clear lol. I don't know if anyone can assist but basically I was due to pretty much make my last payment (a mere £10) on my Very account but missed it by about 10 days as I went on holiday just before it was due. I have contacted them…
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Credit score / report advice
Thank you in advance for any replies. The past 2 months I haven't applied for any credit or had any other financial statements of note, I have closed 2 accounts paid off in full and my credit rating on Noddle has went from credit score 538,credit rating 3/5 to 527,credit rating 1/5. I have trolled the forums and most…
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New here, looking for advice
Hi, this is my first post and I'm here really because I don't know what to do. I was contacted out of the blue by a company called Lowell informing me that I had a debt to JD Williams of £1152.41. I balked at this because I knew I hadn't. I do have a JD Williams account which I have never ever had any repayment problems…
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Car finance options with defaults
Hi everyone , I was poorly advised a few years ago to go on a DMP for 4 credit cards i had which in turn put two credit card accounts as defaults on my credit file , this was nearly 2 years ago. 2 months ago i paid off all current debt with only a £140k mortgage remaining. All defaulted accounts show as settled etc on…
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Got 2 cards score went down by 200
Hi so i have been trying to rebuild my credit and managed to get it to a fair rating on experian, so i applied for a cap 1 and barclaycard and got accepted with limit of £200 cap 1 and £1500 barclaycard. The next month my score went down about 200 to very poor. Is this normal?
