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Closed bank accounts- will this effect my credit file negatively?
Hello everyone, I'm 18 and as soon as I turned 18 I applied for an Amex card to build my credit history/file and I got accepted. I've had it for 4 months now, every month I've spent around £200 out of the 1,000 limit and paid it off in full and on time each month. Now I have a question - I banked with Santander then I…
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Defaults: partial settlement affect on credit question
Hi, I have 5 defaulted accounts that were registered in 2015. I have been gradually paying them off through a dmp with step change. I'm about to inherit some money and would like to apply for a remortgage or buy to let mortgage in the future. I've had offers from the debts companies to pay the debts off with a discount but…
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Tax on funds transferred from EU?
Hi I am registered as self-employed and got a few thousands of Euros in a Spanish bank account. I would like to transfer about 30,000 Euros to my UK bank account but not sure if I will need to pay any income tax once declare this money on my tax return? Thank you
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car loan and recent searches - good chances?
I've never had a car loan but I'm looking into getting one over the next couple of months. However, I've recently switched bank accounts and utility providers and my credit rating has gone down from Excellent to Good. I know people say credit scores are not important, but how do recent applications impact one's ability to…
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Mortgage provider made multiple searches and footprints on file.
I got a new mortgage (moved house) last June. Just noticed that nationwide (our provider) has made 4 hard searches of our file. We obviously only applied once and were approved there and then. I know multiple searches close together are detrimental. Why would they do this? Is this damaging?
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Restricted charging order against my property with out a CCj
Hi Guys, I was wondering if anyone can shed some light please? I have received a restricted charging order against my property from Lloyds commercial bank for an old business factoring issue. However I went to court to fight the case for the Restriction order and it was granted by the courts. However I have been scanning…
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Inability to calculate Experian credit score
Hi, I’ve been trying to calculate my credit score but it comes up asking who provides one of your credit cards but my credit card is not listed and it also asks for 2 credit card providers but I don’t have 2 so I’m confused! Thanks, Louisa
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MSE Credit Club - Experian Incorrect Information
Last month applied for a CC that used Experian. Came back my details didn't match, so they could not do the soft search. Checking MSE Credit Club I noted my address was showing incorrectly for the electoral roll. Contacted Experian who told me they could not amend the electoral roll information because it was what the…
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What happens if an account is sold after default??
Hi everyone, I have another question I hope you can help with. What happens if an account is sold to a collections agency after it has had defaulted. I coudn't afford minimum payments due to my circumstances and they have not changed. Can the collections company demand payment or take me to court? Also, how will I know if…
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How to get back on track after IVA?
Hi,hopefully some of you wise people can help! I have recently been able to settle my IVA. For long term prospects for gaining a mortgage I need to build my credit record back up. I don't ever really wants loans again but happy to get a credit card for fuel to pay off in full each month to build some new 'history'. Is this…
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Help needed - Default on credit file
Hi i'm hoping someone can help. I was struggling with monthly payments with Barclaycard earlier last year and called them, they were brilliant as I was also suffering with anxiety, stress they put a hold on my account and said not to worry about payments for 2 months and call them after this time, I did, and they said not…
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AR vs DF
Hi, New to this forum and need some guidance. I have a unsecured loan from what was Northern Rock and a mortgage which was known as Together mortgage which most people are familiar with. My question is regarding the unsecured loan and how it is reported to the CRA’s. I have had an agreement in place to pay an agreed token…
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Address chaos
Hi All, I have a big problem with my address which is costing my credit score go down. Most of the website has got the address in a format. for Example 6c XXX Road. All my bank, CC, broadband are registered with this address. But my council tax bill, Voter Registration, Thames water has got the address as Flat 3, 6 XXX…
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Financial Association
My credit report shows a financial association with my husband as I would expect it to as we have a joint account and previously had a mortgage together. Does this mean his searches show up under my searches on my report? We recently bought a new car on a PCP, it was applied for with my husband's details as my new work…
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Moving house and Experian Update
I have recently moved house and so am unable to get my Experian report via Credit Club at the moment. "There are a few reasons which may stop Experian from being able to verify your identity. For example, there may be too little information held about you. You may also have moved house recently – if this is the case, it…
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How long will 3 late payments affect me getting things like car finance etc?
Basically been travelling Australia, finished my job and have a santander graduate account. Part of the t&c is that I must put a regular income in the account. I didn’t realise this as I had a student account before where it was only £500 each term. The account automatically converted to a graduate account last year. I…
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Default removed but company re added to file
I have a quick question. I had a payday loan that was under a debt collection agency. I was all paid off in 2015 and defaulted in jan 2013. The default dropped off which was great and a relief, but since then the company have added it back on to my file with latest update from August 18. Rather confused as I though once…
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Help me boost my credit rating!
I recently checked my credit rating online and was given a score of 886. This was just in the green for good however I have been declined a virgin credit card. I live with my partner who owns his house but I am not on the mortgage. I have lived with him for almost 7 years and work part time. I have no debs but no credit…
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Cedit score affected
Hi... I have just seen that on my credit score that I have a missed payment on there from my utility. For the past 300 days almost I have been in a dispute with e-on as I requested to leave them to go somewhere else and I was having trouble doing so because the address of my home was not correct on some sort of file (the…
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Extreme disparity between the credit rating agencies?
My credit rating in both Equifax and Noodle is rated excellent while my rating in Experian is poor bordering on very poor. Why would this be? Having read through the reports on all three the only difference I could find was that Experian has information on a not very sizable loan I had settled 5+ years ago (albeit with…