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Can data provider refuse to answer a CRA query?
As per the title. I queried Experian in regards and old Lending Stream ("LS") account which I believe has the wrong Default date. It should drop off on 03/2020, however, Experian has it as 11/2020. I hope anyone can understand how frustrating it may be to have negative stuff longer than necessary on your credit files. Data…
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Repeat searches!
Hi I’ve been checking my credit file recently and noticed yesterday that 118118 and a company called Zopa keep undertaking searches for loans. Every two weeks. I haven’t tried to arrange a loan for over two years but obviously it looks like I’m constantly trying and getting rejected. Any idea what I can do to stop…
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Removing defaults from credit file?
A few years ago I found a .gov webpage which explained the process to get a default removed from a credit file under certain conditions. However I can not find this website page today and have searched a few varieties of "remove defaults from credit file .gov" for example, and still can not find it. Can someone send me a…
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Cifas Marker
Hi, am 17 years old and I was mugged on an afternoon by 4 guys who asked for my bank card and the pin and for all my bank account details, I felt threatened and scared so I did what they asked me to do, one of them wentry off with my bank but then came back, this was going for about 3 to 4 hours, I did not know they were…
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Ccj
Afternoon I have a ccj on my credit file that is currently satisfied, but it is due to come off my file next week, how much difference in reality would the removal of an old ccj make to my file? It is the only ccj on my file, the only other negative is a default which is due to fall off towards the end of the year. Thanks
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Credit file and mortgage
Hi all. Another post about credit rating and mortgages, I'm afraid, but advice would be very much appreciated :) I know it will apply to both my partner and me, but for this I'm specifically asking for myself. We're about a year out from applying for a mortgage and I'm just trying to do a last minute boost to my credit…
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Mortgage advice
Hi, Is it true lenders only really look at recent credit history? Recent as in the past 3 years. Hoping to get a mortgage end of the year/start of next and my credit history for the past 3 years is clean as a whistle but the 3 years prior to that is pretty shambolic, made up of defaults, plenty of arrears and a debt…
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Default date
Good evening all, Just wanna see if you could help me out please,don’t know if it has ever been brought up yet. Unfortunately had to enter the IVA in 05/2013 and successfully completed it and got all the relevent paperwork,such as completion certificate and etc. One of the creditors,Instant cash loans which was included in…
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Hampshire credit unions credit builder
First post and need any advice please. Has anyone heard of Hampshire credit Unions Credit Builder. I've just signed up for it after being turned down by every normal bank for a loan with no explanation other than get a copy of your credit report. Not sure if it's worth it now. It's a savings account that says it will build…
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Urgent CCJ Help
Hi Guys, As i type this i just recieved a notfication from my credit report company that i have recieved a CCJ on my file today? I dont know who it is from as i received no notification or letters at all. The date on my file says 21/06/2019 for the CCJ 1 - How can i contest this? 2 - How do i find out where the CCJ is from…
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Removal of a Default on Credit File
Hi Guys Quick question on removing a default (not in error) but basically trying your luck with the creditors. I have read a few success stories on here and i realise its a long shot and not everyone will comply but its a worth a go. Ive done a bit of research on this subject and it seems there are three main options in…
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PRA avoiding CCJ
Hi all, Recently I cancelled my payment plan with Stepchange as I wanted to manage the debt myself. PRA wrote to me asking me to complete an income and expenditure form or they would possibly apply for me to receive a CCJ. I therefore completed the forms straight away however, the next letter I have received is a court…
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Building credit from scratch
I turned 18 on the 14th and applied for my first credit card through my bank. (Lloyds) I was declined obviously, I immediately registered on the electoral roll at my current address. So I opened a LOQBOX account and a pockit prepaid card account with a credit builder option. I also was able to get a £20 monthly Sim for a 2…
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Repaying debts with Lowell Financial
Hi guys I have a few debts, all being managed by Lowell financial, and I have been in agreement with them for a while. (lots of small debts) baring in mind a payment plan is in place on all the debts they are still reporting my debts as Default, is it correct or should I get in touch with them to ask why they are still…
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Credit Club score different to Experian site!?
Hi All, I signed up to the Credit Club a few weeks ago to try and get some advice and guidance on my credit scores. I have a near perfect score on my Experian file yet the old Noddle and Clear Score sites show me as POOR!! Anyway, I joined up to see if I can work out why that is only to see my score on the Credit Club site…
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CCJ on file
Hi guys just a quick question. I have a ccj on my credit file. I cleared the debt in April this year. As I understand it the ccj stays on my credit file for 6 years. My question is, does the 6 years run from the date the ccj is issued or from the date the debt was paid in full. (I was in a payment plan for about 18 month)
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Help identity fraud
My partner has just admitted to stealing my ideny and ran up lots of money on credit cards and catalogues They have gone to police themselves and admitted it What do I do next ? Not sure yet whether to press charges or not
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Wrongly filed CCJ
My daughter was in dispute with a parking company over a ticket and elected to fight them in court. Unfortunately she got confused by the paperwork, missed a deadline and the solicitors, BW Legal won judgement by default. As soon as the court papers arrived, she phoned BW Legal and paid the sum in full and as it was within…
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How often do you call your mother?
Here's an interesting one: https://www.theguardian.com/technology/2019/jun/19/data-collection-leads-to-discrimination-and-self-censorship-mps-told Quote: "Companies routinely derive data from other data, such as determining how often someone calls their mother to calculate their credit-worthiness." Bet you didn't know that!
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Credit Score help - Active Credit Accounts??
Hi, looking for some help. Sorry if this question has already been asked. I singed up to Experian to see what my credit accounts look like, and it only shows one, which was from 3 years ago, which is now closed. However my current phone contract does not show as an active account. Also, I had been paying electricity…
