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Cleared credit cards and credit rating
Hi everyone I have recently taken out a loan of £15,000 to consolidate debts. This means I now have three credit cards which I've completely cleared (£5,000, £10,000 and £12,000 limits totalling £27,000 in credit) and I am wondering what is best to do with them. For practical reasons I want to keep one open to deal with…
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Moneyboat won't mark ccj as satisfied, affecting rental application.
Hi folks, I'm at a bit of a loss what to do. I had a loan with moneyboat in 2015 which i defaulted on and ended up with a CCJ for the best part of £300. I paid this off in 2016 and thought that was the end of it. Last year i applied to rent a house, and during the referencing the CCJ i had with them flagged as unsatisfied.…
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Worried about my credit file - tips on what to do prior to mortgage application
I have had an offer accepted on an apartment, and have been in touch with a mortgage adviser. I check my credit report on clearscore and have checked a couple times in the past month on experian and my credit file/score is usually pretty good. However at the end of November my experian score updated and it had dropped 300…
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Help with Vodafone default due to mental health issues
Hi all, I would really appreciate your help on an issue I'm having with my credit file vs Vodafone 4 years ago I was having some mental health issues (depression and anxiety) and this affected my ability to work and thus my income. I got in a bit of a mess with with my loan payments and other creditors but spoke to them…
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Ssl capital
Good Evening, I need some advice, I got into debt some years ago but paying everything off now and keep an eye on my credit file which was improving but SSL CAPITAL who I have been paying for the past two years through step change only put the account on my credit file in Sept 18 with it showing I had 6 months of late…
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Lowell will they report on my file ?
Hello Today in the post I received a letter from Lowell debt collection asking about an address I lived at 6 years ago whilst a student, I called them up and confirmed I lived there. They said 700£ was owed for gas for the last month I lived there and 2 months after I moved out. Ten of us lived in the house and I don't…
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Which debt more beneficial to pay off first to improve credit score quicker?
Looking for advice on which debt to pay off first (credit card or Littlewoods shopping account) in order to improve my credit score quicker. I have £2900 outstanding on Littlewoods account. I have £8500 outstanding on a BarclayCard. I have been working very hard to try and get in a better situation with debts. Right now I…
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Help /Advice Tackling Debt
Hi, Can anyone advise/help? I have 3 debts which I have been trying to clear over the past couple of years. I am in a better financial situation to pay them off as now in paid employment and no longer a student and my partner is now in paid employment after being made redundant. However I am really struggling to get loans…
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CRA - previous address has been completely removed
Can anybody offer any advice as to what this means, or how? Do banks (not my bank) have access/authority to manipulate/change personal data which is shared by the finance industry? If a bank (not my bank) has changed data and used my address for their customer, could this be the duplication, with my address being…
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Default on credit report after DRO
Hi all. I had a DRO several years ago (started August 2014, discharged August 2015), and everything is off my credit report (except for the actual DRO, of course), apart from 1 debt. It was my old Egg CC, bought by Barclaycard. All the other loans/cards etc have gone from it completely, so why is this one still there? I…
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Thank you - Questions now answered
Thank for you helping. Issue resolved and post has been removed.
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Help with CCJ
Hi, I have used experian (as a paid member for quite a while) up until recently switching to Noddle. When i checked my noddle report I saw numerous things that were not on my Experian credit file. One thing on there was a CCJ registered at an old address which I no longer have any access to. The only information I can see…
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Solicitors credit check
I received an email alert to say a credit check had been run on me, I am currently in the process of securing a mortgage with a building society however the credit check was done by my solicitor. When I called to enquire he said it was just something they do. Does anyone know why? Why would my solicitor run a credit check…
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Timing of getting a new credit card?
Hello, looking for some advice please. We are looking to buy a house in the near future. We have a deposit, DIP and I currently have an ‘excellent’ credit score. The 0% interest credit period on my credit card has come to an end and I would like to get a new one to use in mid January to make a planned purchase. I’ve been…
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Defaults on Clearscore & Noddle
Hi I started my DMP a few months back and have checked my credit file on Noddle & Clear score but cannot see the defaults. I have received letters from at least 2 of my creditors giving notice of default ? Can anyone tell me if I should be able to see them on my file ? Thanks
