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hard seach on file....never applied for credit
I started filling out a loan application with RBS but changed my mind halfway through...didn't fully complete or submit the application There's now a hard search from them showing on clearscore is just starting to fill in the form enough to warrant a search? or should I be looking to get it removed?
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Disassociation financially but still happily married
Hi all, Today we went see a mortgage advisor at a high street bank to see about a first time mortgage. The mortgage was going to be solely in my husbands name as I have a poor credit rating. My husbands credit score is very high and he has no missed payments or outstanding debt issues. Now comes the bad bit..... he got…
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Cant be found on credit reports
Ive tried Noodle, Experian and clearscore to try and get a credit report but all say they cant confirm my identity. I only just recently open a bank account with Monza, ive not had one for the last 20 years my money always went into the ex's account and all DD'd was set up through her account. we have now split up and im…
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Mortgage-Bank saying credit rating is good but Experian saying poor!!! Help!
Just after some advice, my partner and I are due to complete our full mortgage application next week after being agreed an AIP with Barclays but I am really worried about my credit score, I have always paid everything on time and never had any defaults, Lloyd's who I currently bank with are saying I have an A credit rating…
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Default removal
Hello, I had a default removed from my credit file today (Equifax). It had only been on there a matter of months, is there a chance this can be re added? My debt has been passed on, and a payment plan has been put in place but the original plan has been deleted. Thank you for any help and advice, I am new to the whole…
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Studio cards ltd - HELP!!
Evening all, After a bit of advice really, in case I've miss d something blatant.... Apologies in advance for the rant and long-winded explanation.... so several years ago I opened an account with Studio, always made the minimum/ above repayment every single month up until the tail end of 2017. In the autumn of 2017 I…
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Credit score and mortgage
I'm trying to get my first morgage, but have run into trouble at the first fence because of a default on my credit score, I tried to move on an see if a co-ownership might be an option thinking they might give me better chance, but they wouldn't help because of the default, I'm now waiting on an online morgage advicer to…
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Have I screwed up my life for the next 6 years?
When I turned 18 I was stupid enough to start obtaining credit. I started off sensible for the first few months, paying in full and on-time with a Vanquis builder card. I suffer from mild autism which in my case includes impulsive behavior where certain things I find hard to resist doing. These are trivial but can have a…
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Is it worth settling debts?
Hi, When I was 18 then I created couple of credit accounts on sites like littlewoods. My credit score is very bad right now and I would like to start fixing it to ensure when I want to get a mortgage and whatnot in the future (2 to 3 yrs from now) then I am able to do that. My current debts are as follows: £412 default…
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Debt management company missed one of my payments and now it's on my credit file as a default
Hi, I was hoping that someone might be advise with this issue. I started a debt management plan with Debt Legal in 2014. Last year I was told they were closing and Debt Support Service were going to be managing my debt. Debt Support Service called me and I went through the process of transferring everything across and my…
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Young Person Checking Credit Score.
Hello, Im currently a student studying at university i would like to know if there is any disadvantage for checking my credit score early, before i am required to use the score. I would like to check my score just out of curiosity to see if anything comes up. If so which service/website do you recommend to check the score…
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Question about Clearscore/Equifax
Hi, hopefully somebody here can be of assistance because Equifax support sure as hell aren't. Last month when my Clearscore report was generated, my score dropped considerably (I know this doesn't mean much) but it was because my financial records had fallen off and my address history had reverted back to my previous…
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Debt collectors and credit file
Hi, For bit of background, between 5-7 years ago I was on the payday loan trap and ended up having to borrow money from family to get out the cycle. Forward to 3 years ago I had moved out of my rented house and ended up with a few unpaid end of tenancy final bills ( gas, electric and water totally around £1000). I've…
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6 year old default - how long until mortgage application?
Hello all! I’m a newbie so please be nice. My boyfriend and I are ready to go on buying a house - everything is in place and we just need Santander to approve the mortgage. However we applied in May, and they rejected us due to my bf having a default. The default date is 08/08/2013 so is due to come off his report In…
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Default on old joint account on my credit file
Hello - there is probably nothing I can do about this, but would love some advice. In my early twenties, around 19/20 years ago, I had a joint current account with a friend. We had a hobby and used to sell some of the things we produced on eBay, for pocket change really, and paid the money into there. I stopped being…
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NewDay AP markers, should it be default?
Hi there, We are coming towards the end of our DAS and trying to ensure all is in order for us being discharged. I've noticed on my credit file, New Day have been recording AP markers instead of defaulting us. We entered the DAS in Dec 2013 and the markers on file are AA (1 then 2) for Sept and Oct 2013 then QY in Nov,…
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Experian's been ignoring me for almost two months!
Hello! I need to apply for a credit instrument urgently. Everything looks right and updated on my credit reports for Equifax and Credit Karma. However, Experian, exactly the agency the lender uses to search my Credit file, does not show anything updated and vital information is lacking. Despite I have been asking them for…
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Lenders checking the credit file
Hi, I recently cleared all my Credit card debts and now im debt free. As per the credit card companies it will take at least 2 months to get my credit files updated. Recently i received a reply from one of the credit agencies(Credit Karma) that even my credit file takes time to get updated , the LENDERS can access the MAIN…
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Aspiring model duped by “platforms” promising easy route to fashion world
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Error on Credit Report regarding a bogus PPI Insurance Claim
Before I continue, as a bit of background, I used to be a Lloyds TSB customer until my branch was sold off by Lloyds to become TSB. All my bank current/saving accounts & Mastercard held with LLoyds TSB, then became badged as TSB. The Mastercard I have had since 2004 (when I was a Lloyds TSB customer) until the present…
