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Form N443 Questions
HI, I wander if anyone can answer a couple of questions. I have filled in the Form N443 as I would like an historic CCJ removed from my credit file. The CCJ was paid within the 30 days of issue so I assume the box to tick on the form is "Cancellation"? Also no where does t state that if I wanted a certificate of…
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Credit Score Dropped in a month
Hi All I have a question to pose. Myself and my Wife just checked our credit scores and have found they went down form Excellent to Fair in the space of a month. Looking at the reports it looks like the recent amendments with a bank have caused the drop in my case. We made one of my wife's accounts a joint account, we both…
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Default date
can anyone advice if the date that says account was opened on the default is the default date?
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Confusion between credit ratings
Hi all, My wife and I are currently looking at buying a new home and I've checked my credit reports to check how they look. Noddle looks good, above average and all green. MSE Credit Club looks good too with a score of 962/999 However, Experian is showing as Fair, 789/999. I understand they're all just a snapshot in time…
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defaults and arrangement to pay markers
HI Do lenders have to inform you in writing if they put a default or arrangement to pay marker on your credit file?
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Very Poor Credit Rating - Recovery time?
Hi All, First time posting on MSE forum so apologies if not the right place. Fairy simple question but struggling to find answers online. I was fairy wreckless with finances throughout university and had a poor credit score. Since finishing two years ago ive been on top of things and bought a home with gf. More recently, I…
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Default on account
Hello, My husband is due to have a (fully paid) default drop off his credit file in a few months. We are currently looking into increasing our current mortgage and obviously atm the default is having a negative effect on his credit rating. Does anyone know what we can expect from the default dropping off? It's the only one…
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Credit report query
Hello:j I'm trying to get some help as I seem to be having a problem getting any chances of a balance transfer card and I'm baffled as to why I have £3500 outstanding on a very high interest credit card so I did an eligibility check on me and all are coming up as zero chance . Even the 6 month ones My credit report has 12…
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Default on Nationwide account not my fault.
Hi, I am after some advise as I have recently noticed I have a default on a Nationwide account which is affecting my credit rating. My ex partner and I took out a joint account together when we bought our house. After some time we separated and sold the house which was registered to this bank account and I requested via…
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Default
Hi all i have a question if anyone might know? I got a default that has a year to run still that says account settled ,i take it it was taken on by DCA and have noticed when updated it keeps going up. It started at £900 now its £1196 as of December when it was last updated. Could this be the DCA charging interest?
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No Credit Score on Some Sites
Evening All, I am at a stage where I am looking to buy my first home and take out a mortgage. I have got the deposit together and have had some meetings with the bank etc. to see what I could borrow/check eligibility. They suggested I check my credit score before I apply for a mortgage (purely out of interest). When I use…
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Can I make up my own credit score?
Just for fun I asked Experian how accurate a score made up by myself would be compared to theirs, if I based it on the information on my credit file. Here is their response: I understand you'd like to know how accurate a score made up by yourself would be in comparison to your Experian Credit Score, taking into account all…
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Settled CCJ -impact on my credit rating
Hi Thanks for a great forum -quick question --- I have a CCJ for £1100 have paid in full (but not quick enough to stop ccj) and shows as settled on my credit reports . No other ccj's nor any defaults ,mortgage all paid up and no loans apart from 1 credit card that is up to date. CCJ date has 3 years remaining on report ,so…
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CCJ and bailiff letter
Last year I was issued with a warrant of control for a CCJ I currently have, I applied via a N45 to postpone the warrant and pay by installments. I have stupidly missed a couple of months payments by mistake (I have a few debts with companies and thought I had been paying the correct one for this) today I have received a…
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Late payment
Hi guys, So after working for years to try get my credit rating up as I want to buy a house (after lots of mistakes in my younger years) all going so well and I finally seemed to have a half decent score... I then had a second child, the stress of dealing with two under twos a payment I was meant to make got missed!! Ahhh.…
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Rebuild Credit Time Estimate
Hello folks. I had excellent credit file for years, then moved house and took out loans for refurb and maxed out on cards. No missed payments or late ones, but no one will offer me anything and credit cards have started charging interest. Luckily I now have enough to pay off almost all of the card debt, which is £9000 - so…
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Missed payment of 3 months however had no idea that it was due?
My overdraft went into collections in September as I did not pay into the account t for a few weeks and went off travelling. I am in Australia and my mother contacted me to explain that Santander phoned to say it’s urgent. santander advised that I had missed s payment for over 3 months to pay my overdraft which was…
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Question on a default placed on my account
Hi, Wondering if someone can shed some light! Have an issue with Virgin media placing a default on my account, which I was unaware of. I applied for a mortgage recently and found out I have a low credit score. I looked into this and found out the above. Upon leaving Virgin when I moved last year, (they didn't offer…
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My husband’s SC Clearence
Hello I am looking for some help, my husband needs to renew his SC clearence for his job, why does it need to know my financial information and what if he answered some of the questions about my financial situation incorrect?
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Does this have to be paid?
Good evening, I've no idea if I'm in the right place for this, but I am looking for some advice. My friend recently has had a really bad time with her mental health. She was signed off work before Christmas and has started some anti anxiety meds and antidepressants. Just after getting signed off she had been interacting…
