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Credit file & ratings
Archives for March 2019
Discussion List
Credit score.. HHEEELLLLPPPP!
Hi everyone, im after some advice or even your stories and how you managed. I currently am unable to work due to health issues (yes these are serious) so obviously my income is low already, however my credit score is shockingly low and there are no options for me to get it up. I cant have any form of credit no matter who…
Escalate complaint regarding default date to whom?
I'm disputing a default date in regards to water. I lived in the property between 2010 and 2014, but the water company have dated the default sometime in 2016 as they didn't report to cra's until that date. I've gone through the internal process, I've gone through the consumer council for water (they agreed with me, but…
Dafault Payment Question
Hi. I have been trying to find an answer to a pretty specific question and am more confused that ever. The following figures are not accurate and are just for example. 5 years ago an account defaulted and after a while I agreed with the company the default was sold to, to pay £30 a month. Since then I have paid £30 every…
Help increasing credit rating
I've never been refused credit until now. My ex has destroyed my credit rating as he wasnt paying the mortgage. I don't need a bashing over I should have paid it, I was living with my parents on SMP so had no way of affording it. I'm after advise and help only please! House has sold and I want to get my ratings back so…
Declined for credit
Hi all, I've recently tried to take out a new phone contract with iD mobile (car phone warehouse brand) and was declined by their credit check. Around a year ago I had the same issue with car insurance, meaning I had to pay my annual premium upfront (more than a minor inconvenience at the time!). My credit score, according…
What is worse for credit score; always overdrawn or credit card debt
Hi all, I'm currently having a financial make over and want to sort my mountain of debt. I am always overdrawn on 3 bank accounts. I have 16k of credit card debt spread across 4 cards. Which i balance transfer to keep 0%. As i do this i need to maintain good credit score. So, as i need to maintain a good credit score,…
No credit report on Noddle
I signed up to Noddle about 3 years ago, but they were unable to populate a credit file due to me having too little credit history. I've since had 3 separate credit cards - first an aqua card to build up my score, then one through my own bank, which I later upgraded to a Platinum. I've been on the electoral register at all…
Misleading MSE eligibility calculator
I was looking for a new balance transfer credit card so consulted the MSE calculator which informed me that I was pre approved 100% certain of getting the Virgin Money card. It also told me that I was 95% sure to be accepted for several other cards. Naturally I applied for the Virgin Money one but have been turned down.…
Moved to new address and moved back after 6 months
Hi All! I'm in a weird position, I have lived with my parents for years in one address in UK, then 4 months ago I moved out on my own. But I'm moving back to my parents in 2 months. What effect will this have on me? I'd like to get car on finance but I'm worried that when it asks me for my addresses, it will only be the 6…
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