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Closing 6 credit cards and worried about impact on score
I was very foolish in my 20s and ended up with a lot of credit cards and a lot of constant balance transfers. Long story short – I sorted myself out a few years ago and have basically had no fun whatsoever. I now have 6 credit cards ( I know) all at 0% and all of which are due to clear completely in September. I've always…
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Hp cleared - Credit file?
Hi people, I mentioned this briefly yesterday in a post. Today I cleared £5000 worth of my HP agreement as a settlement offer, so I now OWN the car, my question is, will this adversely affect my credit file/history? or positively impact it? I will be looking in around 3 or 4 months to be selling my current vehicle and…
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Mortgage after repo
Ok so i will describe what happened to me. In 2007 aged 18, i got a joint mortgage with an ex partner but the relationship finished in 2009. I then lost my job as it was the time of the credit crunch so moved out of the property giving it to my ex partner as he worked wnd i had our young daughter. I made the bank aware of…
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Default with Barclaycard / Egg card
I could really use some advice. I have a barclaycard with a current balance of about £80.00. I also recently had a refund from of about £600, they told me they had not provided a proper service. This refund was deducted from my outstanding balance. The account was originally an Egg Credit Card taken out in 2006 and…
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Default settled end of Feb
Hi, I had a default that was settled with satisfaction on the November 12th 2013 for 200 pounds and the default came off my record on the 27th of Feb 2019. My credit report resets on 23rd of March with Experian. I am intending to apply for a mortgage with my partner and I was just wondering do I need to wait for report…
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Early finance settlement - Adverse/positive credit?
Hey guys, Recently got the funds together to clear my current HP agreement on my car with the settlement i was offered. Upon doing this, Will I be benefited in terms of my credit file? or will it adversely affect it ?
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When does a CCJ get removed from Credit report?
Hi there, I have a CCJ on my credit report and I would like some advice as to when the details will be removed from my credit report. The court date was August 2014 for a credit card debt of £4,600. I have an arrangement with the debt collector to repay this amount which started in July 2015. The amount I pay is £50 a…
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Data protection breach
Good Afternoon. My ex has a cousin who works for a high-end finance company as an underwriter, and I have proof that she asked her to search for me and my details through her company. She has given her information including my address, my work address, my salary, even what car finance I have on my car. My credit score, how…
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After Default Date
Hi Looking for advice - I got several defaults which over the next few months are due to hit the six year time limit. When we got into difficulties as usual the CC companies sold off the debt to a debt collection agency whom I'm paying on a regular monthly basis. My question is - What happens to the debt after the six…
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Advise appreciated
Hi All, Apologies if i have posted in the wrong place and this might be long! A brief background, a few years ago after a relationship breakdown and losing my job i got myself into £17k worth of debt, i defaulted on all bills after ignoring the problem, i am pleased to say that i am now paying well above the minimum…
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Helping out another person
This is probably a straight-forward question, but just wanted to ask in any case. I've recently paid off the o/s balance for a friend's payday loan account. They're paying me back instead. I'm not asking about whether that's a good idea or not. It's just that the payment to said company shows up on my debit card statement…
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Credit history missing information
Hi all i have had an issue recently with credit card application refusal . My history on Credit Club does not show up that i had a loan from lloyds bank for a car 4.5k at ford as it was in a different surname anyway of linking these two on my credit file so it shows i am not a bad payer as it was payed in full in a year on…
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Default problems utilities
Hi, I hope you can help, I’ve read some really good posts on here so far, hopefully you guys can give me some assistance. So in 2014 I made an attempt to change my gas and electricity supplier, however my current supplier wouldn’t allow it due to a small debt left on the account. They wrote to me to confirm that the switch…
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Natwest credit file default removed (settled)
So I wrote on here in January asking for advice and this is an update. Basically I defaulted on a NatWest loan in 2007! This default was supposed to be removed from my file in 2013 but NatWest carries on placing missed payment markers on my credit file. I had not checked my credit file as since the loan if I need anything…
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Late water bill payment
Hi all, In 2016, I was still at uni and living with some friends in a flat. We paid our bills whenever prompted in the post. Last week, I got a call from a debt collection company called OposLimited who asked us to pay an unpaid water bill of £233 for their client Northumbrian Water. Having ascertained that we did owe this…
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How can I confirm if I have had an IVA?
Sounds a bit of a stupid question... But I defaulted a credit account from a few years back. A payment plan to repay the amount owed was set up with a collection company. Would this count as an IVA? I’m struggling to find anything that would confirm it and I have very little paperwork for it. It was brought up as a…
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Confused about deafulats - should I pay in full or accept part settlement?
Hi all I have read through many of the threads on here but am still unsure what to do? I have 5 defaults from 2017 / 2018 with various amounts on them. I am paying these back monthly but have recently been offered settlement lump sum amounts for a few. My partner and I have been saving to buy a home and are hoping to buy…
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CCJ - Statute Barred
Hi all, First post here. I've a question about a debt/some debts. These debts were default many years ago and in about a year or 2 will drop off my file as a default. However, I've noticed that in the meantime they have issued CCJ's. What I need to know is can CCJ's become Statute Barred after the 6 year period. One…
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Opening new bank accounts
Hi My credit rating is circa 600 as I've opened a new credit card recently 0%. I want to open a nationwide current account to get the 5% interest, along with a couple of savings accounts to move some money around (currently £10k earning nothing) Will opening another current account and some savings accounts impact my…
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Somone else's details on my credit report
Can anyone advise? A few years ago a finance company I had previously had an agreement with sent me a letter confirming my finance with a new car. I called them as this wasn't anything to do with me and was informed that there was someone with the same name and date of birth as me on their system and they had contacted me…
