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Over Credit Card limit with it affect my approved mortgage application
Hi there, I am in the process of selling my current home to move into a new house. I briefly went over my credit card limit with Barclays for one day unnoticed. It is now back in limit - I intend to pay off a huge part of my balance when I seek my house. I have also a mortgage application approved with the Halifax for my…
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missed payments with bank?
Previously posted but hope to get some more advice about my situation. I have a graduate account with Santander. Basically Santander advise that a regular income should be going into the account each month. I’ve always adhered to this, but in September I decided to travel to Australia, I haven’t had an income because I’ve…
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Ccj
I'm looking for some advice, me and my partner are looking to get a house this year he works full time and I'm a trainee nurse currently doing part time bank nursing which is zero hours, I work every week. We have £15,500 deposit hoping to get a new build with the help to buy, however my partner was issued a ccj 5 and half…
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Younger Brothers phone bill (in my name) has damaged my credit score. What are my options?
Deleted. Thanks for all your help.
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Removing fraudulant Ccj
I have a ccj that has been recently proven to be from someone opening an account fraudulantly in my name. The debt collection agency have sent me a letter saying they will 'remove the default' from my credit file. I've been googling but I'm a bit confused, do they mean they will remove the ccj or will I have to sort that…
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Natwest 10 years delinquent on file
I’m hoping you guys can help me. Just after uni in 2005 I got a £10000 loan and a £2000 credit card. You all know the young and stupid that follows that so I’ll skip it😊 after 2 years I couldn’t keep up with the loan repayments and I had maxed out the card! I missed several payments and NatWest gave the loan to a DCA. I…
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Illness & credit cards
Hi 2 years ago I was admitted to hospital with a suspected stroke luckily after 10 days I was given the all clear but diagnosed with problems in my central nervous system. My world turned upside down. I lost my independence my driving licence my children & my job. I was off work and received sick pay until May I then…
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All accounts disappeared from Experian credit report
Hi, Recently I found all my accounts disappeared from my Experian credit report and I don't know why.. Below is what happened on the timeline. It would be great if anyone can help shed some light on this issue. Before 2018 - opened Lloyds Bank current account, also got Lloyds Bank credit card and Halifax credit card. Mar…
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Reading my credit file, please help
Can someone tell me how to read my credit file please. In this example it was paid in 2017 but says it was settled in 2013. Im so confused. In the prcoess of applying for a mortgage and very confused as to what they will be looking for etc. Thank you Backontrack83
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Mortgage application prep: Personal Loan to pay off Overdraft?
I’m planning to buy my first home at the end of this year. My credit score is just above or just below average depending on which of the 3 main agencies you look at. No defaults/overdue payments, long electoral role history, long relationship with bank, 1 credit application over a year ago, variety of accounts; personal…
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Are overdue bills recorded on your Credit Report?
I've been trying hard to increase my Credit Rating over the past two years (it was previously borderline 'Excellent', but then I stupidly applied for a bunch of credit cards without realising it would negatively impact my score. I didn't even go for any in the end, but my Credit Rating went from 'Excellent' down to the…
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Should I cancel either of these cards?
I'm looking to strengthen my credit score in anyway necessary. I have 2 credit cards at the moment both are currently fully paid off: I've had the Santander around 4/5 years and the Halifax about 18 months. Halifax 0% Balance Transfer Card (£3000 credit limit) Santander Credit Card (£4000 credit limit) Santander card I…
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Incorrect Default Compensation.
Basically in Summer 2017, when in financial difficulty, I tried to make a repayment plan with Satsuma loans, which ultimately broke down as they would not respond to any of my e-mails. They reported the account in default and sold it to a debt collection agency, but with an incorrect balance, meaning I could not settle…
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Improving Credit Score
Hi! Me and my partner are planning to buy our first home in the new year and I really want to start improving my credit score/history now. I'm 25 and a student in my final year of my nursing degree and I have a job lined up to start in September 19. I've always had a poor credit score due to a defaulted account in Sept…
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Clearing up credit file and unsure of dates
Evening everybody! Hopefully I’ve posted in the right place and someone might be able to clarify something for me? So I have taken it upon myself to sort my credit file out! Mammoth task as last year it was completely shot (I didn’t think scores could go as low as mine did!). I was foolish going back to 2003 right up to…
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Internal Credit Check
Hi, I wonder if anyone can help. I've just tried to make a substantial purchase from a high street shop today on a buy now pay later deal. I wanted to do this for the convenience of it. My application to creation.co.uk was declined. I've come home checked my Equifax account. My credit score is in the 'excellent' zone. I…
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When does it end?
I’ve been trying to recover from bad credit for a few years now I’m a home owner but mortgage free (from in heritence) I pay my utilities on time And any debt I had or have is being repaid or has been repaid I have two credit card Vanquis for a year Tesco for a few months Both pointless credit limits but I’m using to try…
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Applying for a mortgage with a history of payday loans
I am hoping to apply for a mortgage this year. The last couple of years I have been very good with my credit paying it off on time and my credit score is now 999 (highest possible score through Experian) However in the past I was very bad with payday loans using multiple companies very frequently and was very irresponsible…
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default
Hello. I have 2 default in my credit report. They were both generate for debt collection company, no for the original lender. One is Lowell for an Aqua card, and the other one is Link Financial for a Barclaycard. The thing is, I have started a DMP before the company sell these debts to the debt collection companies, and…
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Help! Bad credit score for something out of my hands?
Hi, I have recently voluntarily terminated my PCP car contract due to a disagreement with the way the contract was originally represented to me, after terminating this contract, I have since lodged a complaint with the financial ombudsman who is busy looking through the case. As my case is still 'in limbo' the end payment…
