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Amending default date
Hi bit of a story here so please bear with me My wife lived in a property back in 2010 only for around 6 months (before I knew her) and didn’t pay her British Gas bill she moved out and hasn’t had any contact with them since in 8-9 years, were just sorting her credit file as we want to go for a mortgage and it turns out…
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Linked address on crefit file not mine
Hi I'm new here. I've just checked Noodle first time. I just checked linked addresses on report and noticed a previous address what I have not lived at Also I have 2 Ccjs must but their are two others with my first name but a different surname I'm worried what do I do.
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Country Court Letter
Hi We received a letter from the court (Country Court Business Centre in Northampton) regarding an outstanding debt, addressed to the previous owner of our property. We've been here 9 months but this is the first letter of this nature we've received. I contacted the court who said to return the letter as gone away which I…
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Reasonable grace period for late credit card payment
It recently got a late payment notice on a credit card, which I thought had a direct debit paying it. Turns out I accidentally cancelled it for n error when the debt was settled - forgetting card charges applied to that account £3 per month. Initially I thought there must have been an error with the direct debit (it’s…
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How to check for debts listed in my maiden name-advice please
Hello all, Ive been contacted by a Debt agency working on behalf of a big name bank. They said i owe 900+ on a credit card in my maiden name and it was last acknowledged/card used last may. Im fully aware what my debts are but do not have any knowledge of this one. I have been married for 10 years and not lived at the…
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Australian employer and my credit file
Hi, I have been offered a job with one of the big 4 in Sydney Australia. Do you know if they will be able to access my UK credit file from Australia? Thanks very much.
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6 Years Passed - Default Disappeared - Still Paying Lender?
Hi all, Happy New Year! This is my first post so take it easy on my. :D My wife had to give up work several years ago for health reasons and we went into default with a few creditors. We check our credit files regularly with all the major credit reference agencies (Equifax, Experian and CallCredit). We have been paying a…
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Cancelled mobile deal in cooling off period...
Hi All, Recently took a deal online and thought better of it so it's all been returned, refunded and closed down. Will the account appear on my credit file or will will it just be the initial search? Many thanks AGDCFF
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Court CCJ threat
Good evening, today i received a letter from the county in relation to a debt I'm in dispute about. the debt said it was taken out when i wasn't living at the address and a few pounds a months were paid back over a number of years. however, this debt is meant to be a door stop lender called provident credit. the concern i…
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Issuing CCJ
Im issuing a CCJ against a small rogue car dealer .. which address do I use ? their car lot address (Bolton) which isn't manned all the time or their registered business address (Manchester) a - but does this matter ??? thanks
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Another example of how meaningless “credit scores” are
Logged onto all 3 of my credit files to find my credit score is “poor” and they recommend I should follow their “expert tips”on how to improve my score and get approved for credit. I have 19 credit cards, 9 mail order accounts, 2 overdrafts and over £65k of available credit. Yes, people will say that’s too many, but I…
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Moving back to UK after Overseas
I have been living overseas for 14 years and I am in the process of buying a house and moving back to UK. Although I am British, all my credit history is over 14 years old and experian and even the Credit club on here does not recognise my postcode or allow for entry of overseas information. I am struggling to open even a…
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Moved house, electoral roll updated - still can't get credit?
Hi, hopefully someone can help me with this? I have a pretty decent credit score, no defaults and low CC usage. I also haven't missed any payments. I moved house in September last year and have waited for my new address to appear on my credit file before applying for any credit. I checked all credit agencies and the…
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DCA applied default to credit file not original lender
I had an overdraft with a bank that sold the debt to collection agency. Prior to debt agency there was no default showing on any of my credit files. I don't believe the bank ever registered a default. How can i dispute this with DCA as surely they cant create a default themselves. The default date is showing as the date…
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Recently took an Amex out, and CF took 100 point hit, how long till back up?
Hi all, As the post title asks, took 100pt dip on experian, wondering how long I will have to wait till it goes back? Any experience? Thanks
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0% Credit Card and Credit Report
Ok so I have a credit card with a 0% offer on it. I've used it to pay for a couple of things, but I've not always paid in full due to the fact that the 0% offer is there so I can spread the cost. Simple question, does this have an effect on how my credit history looks? It has caused my credit score to drop which I'm aware…
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Late Payments on Credit Report
I made a mistake of defaulting on a Credit Card at my previous address 3 years ago Or at least I thought it had defaulted. The Card had a credit limit of £650 and the balance on it stood at £660. I have not used the card for over 3 years nor made any payment. Having looked at my Experian Credit Report recently, I have…
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Will my personal debt affect my husband
I'm really panicking - I am paying back cc and loan to the sum of £15,000 (I earn approx. £26,000 pa - with o/t on top). However, I have this debt hidden from my husband and will have the bulk of this paid off in two years - I am sticking to a rigid plan to get this cleared and on track to do so - and have managed to not…
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Pay credit card or payday loan to improve credit
Hello, New here and asking for a friend. Current debt is £8,000 £2,000 on 4 separate credit cards £6,000 on 6 separate payday loans. Reduced to £4,000 if paid immediately. Monthly amount that they can afford to repay is £250 Credit score is very poor. Plan is to consolidate credit into one loan from current account…
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Is it actually possible to speak to Experian?
Looking to be financially disassociated from my mum who passed away just over a month ago. The link is only shown on Experian from a joint mortgage application in 2016 that was not acted on. I am trying to get this done urgently as I foresee the need to make a mortgage application soon and her credit was not the best -…
