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Credit file & ratings
Archives for November 2018
Discussion List
Time to rebuild my credit score
Hi guys, I previously made a post asking about pcp, and when I could apply after paying recent debts and defaults. So my question is, how can I rebuild my credit? I have no direct credit ties, e.g no credit card, monthly phone bill, so on so forth.. I NOTHING. But my priority is to BUILD my credit, and I'm afraid by…
Financing a car - post awful credit history
Hi guys, I have recently paid off a mass amount of small debts which I defaulted on from 3-6 years ago. Handed back my car and bought a cheap run about for the time being, and I'm now looking to refinance a new motor, due to practicality. My question is, what is a average time frame of me realistically applying and being…
Credit Club - Closed account with balance
Hi, I've just signed up for Credit Club & I've noticed that an old account that is closed has a balance of £13. Do I need to contact the company (OMNI CAPITAL RETAIL FINANCE LIMITED) to get them to correct it? Thanks
Ccj wrong name
Hi wonder if anyone can help. Just checked my credit file and there is one on there for will but my name is William can I get it removed on that basis?
Balance Transfer
I have nearly £6000 on my credit card that i want to transfer - usual huge mistake of not making a note of when the 0% period had ended. I am being turned down and the most likely acceptance would be below that credit limit. Is my best bet to turn it in to a loan to get rid of this debt?
Overdraft question
I am in a situation that by the end of each month I am living within my overdraft (limit £1,200). After repaying most other debt - credit card and loan I want to start clearing this overdraft. If I reduce my overdraft limit on a monthly basis eg £200 reduction a month will this have any impact on my credit file? I am also…
Hard & Soft Enquiries
Hi There, So I had a score of 999 on Experian last time I checked (I know from reading the forums I'll be advised this does not matter, which I agree). Anyway, my score has dropped 150 points over a 1 month period and I'm assuming it must be given the recent finance of my new vehicle. Because I worked with 2/3 different…
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