-
Credit report question.
Hi I have lurked on this form for a while now. I had past bad credit that I started tackling in 2012. I paid most off by the end of 2012 and the only thing outstanding was a Halifax credit card that I had a payment plan in place for, which I stuck to and did not miss payments for but then paid off in full in 2016 when I…
-
How to get actual full credit report
despite searching on Google, all the options of getting a credit rating seem to be basic, free and just give a score. How do you get details of all the proper info held by Experian, Equifax and Callcredit? It used to be a matter of sending £2 and they would send all the details but I can't find internet based equivalent. I…
-
Credit file and mortgage?
I have 5 old debts. 2 I have partially satisfied and 2 are currently on a DMP . These 4 are more than 6 years old so are off my credit file. The last 1 has been partially settled and is at 0.00 balance however still has a year to go until it is off my file. When I go to to apply for a mortgage do I need to declare all 5?…
-
Building Credit rating for 19yo
I am about to switch mobile networks for my son and daughter who are both away at Uni and was wondering if it would be a good idea for me to put the new SIM Only contract in their name against their own bank accounts to start to build a history that seems ever so important nowadays. Assuming they pass the Vodafone/VOXI…
-
Lowell are about to make an entry on my clearscore account
Hi, I owe lowell about £70, I have always ignored it as three mobile and orange tried to charge me after I closed my accounts with them around four years ago. Clearscore say the report will be from a communications company and will be entered on my next updated report in a couple of days. Obviously I think this will effect…
-
Noddle v’s Clearscore
So, we’ve been using Noddle for a few years to keep an eye on things but since noticing that quite a few people recommend clear score I thought I’d give it a whirl. Why would there be differences between the two? Clearscore doesn’t show our Mortgage on either of our reports. It also does’t show a ‘Satisfied Default’ that…
-
Ppi
I had put in a claim for PPI on a loan which I had from Halifax, I was told I was only entitled to half as this as it was a joint loan with my ex partner, he defaulted on his part and I had to pay the majority of the loan off on my own , is there anything that I can do as I feel I'm entitled to most of the PPI if not all,…
-
Help in how to proceed ?
Hey guys and girls! Recently I posted here regarding a issue with a company named Hellix. Long story cut short, but still quite long.. - I had a debt with Hellix, sister company of Opos/Kapama LTD, Myself and Hellix came to an agreement on a settlement offer, which included a discounted payment, and the account being…
-
Which card to pay off?
Our car is on it’s very last legs, hoping to get it through the better weather but will def need to replace before next winter. Husband has a 1/5 credit rating thanks to a default of £40 with Three (on a pay as you go broadband that we were sold with incorrect information - moved house and cancelled direct debit/didn’t use…
-
Advice regarding an entry on CR
Just wondering if someone can help. I had a loan on my CR.The creditor has put the start date, monthly payment, usual stuff but only put in the original loan value......not the interest.? Despite paying this loan back twice over they still have an amount way over and above what my CR says. Surely CR should reflect what…
-
default claim made in error
Hi I checked my Experian for the first time recently and found a record of a defaulted payment to Vodaphone for a mifi. This was sent back within the 30 day timeframe as i couldn’t get a proper signal. I have been to the shop where I purchased it three years ago and Vodaphone shop manager admitted it shouldn’t be there but…
-
Default on Credit Report - Will it still come off with bank account still active?
Hi peoples, It might be a stupid question here but i've got a default on my credit report that will be 6 years old in May this year. It's not settled. As it's on a bank account that still seems to be open in my credit report, although I haven;t used it for years and I think the debt was passed onto a debt collecting…
-
The MSE Credit Club
I hope this is the right place to post this question! I just signed up to the Money Saving Export Credit Club (looks great by the way and will be super helpful & useful for me!). However I did notice something that seems to be somewhat of a catch 22. It's always recommended that we shop around each year on utilities, car…
-
Cabot Financial
Hi. Could anyone help me with this please, I’ve had Cabot financial appear on my credit report as a default account and it’s damaged my credit score. About 10 years ago I had a NatWest account with an overdraft. I owed then £299 on it for ages but I moved house and forgot all about it, yes I know that was irresponsible but…
-
How to pay off IN FULL?!
Hello all, Bit of a stupid question potentially... I’ve paid off my credit card and have now set up a direct debit to pay my credit card off in full each month. My question is this: Say I’m billed on the 10th of January and will have to pay on 10th February. Will it take anything else off that I spent after the 10th of…
-
Trouble With Credit Score
First time poster here, having trouble getting my credit score and can't seem to find anything anywhere about how to fix this! I have been with the MSE credit club for about six months and got my credit report absolutely fine at the beginning. I do have credit (mobile phone, car loan etc). Have recently moved house (early…
-
Ap marker ruined mortgage
First post so please be patient. We had been given the all clear for a mortgage when on last credit check an ap marker had appeared on my credit file. I checked and it was from an old student account. Here’s the story... in October I got a letter saying I’d gone over the agreed limit I called up and stated I hadn’t…
-
Joint mortgaze
Hi, I am working in uk with tier 2 visa and just in second year of my uk life. One of my relatives have asked me to be in a joint mortgaze applicant because of my high salary compared to his salary and bad credit. He's saying after 2 years he will purchase my share of the mortgage and relieve me off the deed. How realistic…
-
Will we get a mortgage
My partner was seriously ill 18 months ago. His driving licence was withdrawn due to medical reasons and he had to close his business. He was out of work for some time but did speak to the credit card companies and bank who had a business account with. He was upfront with them right from the start and they were all very…
-
Can an Old Debt Reappear on Your Credit File After 6 Years?
Hi, My partner has previously had defaults on their credit file but six years have elapsed and I have checked on Noddle, Experian and clearscore and they have disappeared. However, we are still paying £1 a month to one of the creditors. This was a reduced amount that we have beeen paying for years because of our financial…
