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CCJ problem
Hi all, I am just wondering if it is possible to have a CCJ removed from my file as I had a CCJ placed on me while i was disputing the cost's. The CCJ was a £12,000 debt in the December of 2014 which i paid off in the August 2015. I was refusing because it was over solicitors as they first quoted me of £5000 which i…
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Mortgage - Credit File.
Hi All. Is it normal for a mortgage to not show on a credit file? I have a fairly new mortgage (over 2 months, made 2 payments) however it doesn't show on my equifax or experian accounts yet? However other credit contracts I've taken out since i got my mortgage (Virgin TV / other Bank account for bills to come out of)…
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Klarna - Advisable?
Good afternoon all, Im looking at buying a new phone as I have had mine for about 5 years now and its getting a bit knackered, I want the Oneplus 7 Pro which is around £700 for the handset and I was going to use a £10 a month Sim to use with it as this works out much cheaper than a contract.. However, I cant really afford…
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Why is there a notification of correction on my file
So i have just applied for something and got a response saying that manual checks need to be done because there is a notification of correction on my file. I have looked what that is and I dont know why it is there as I have never done that. Can creditors put that on my file? I did a free check on my file with Experian and…
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"Soft Hit" on credit report
I want to refinance my student loans but can't see interest rates unless I provide my social on refi websites. I don't want it to affect my credit. Will the check really not show up if it's a "soft" hit?
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Question mark on my AMEX file
So I saw this on my credit file today. (Noodle / Credit Karma). Now I know why it's there, I setup a direct debit recently, so there was a delay. Just wondering if it has any negative impact at all as I am just about to apply for a new card and would like my files to be tip top.
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Credit file not updated - Lowell, BW Legal
Hi all! I’ve been working hard to get debt free and doing well. Payment arrangements in place with Lowell and BW Legal for old debts which I’ve never missed a payment on. As a few of these are close to being done with I thought I’d check my full credit report. Amazed and horrified to discover it says I’ve missed all…
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Starting a new business whilst in an I.V.A.
Hi all. Wondering if anyone has gone through this before and how easy/difficult it is ? Going into business with another 2 partners but I have an IVA, 3 years left out of 5 with no hiccups. Credit file is slowly on the mend. I have held a current account with HBOS for years and wondering how easy it would be to open a…
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Getting out of a PCP Deal
Hi there, Sorry if this is the wrong part of the forum to post this question. I have a PCP deal with BMW Financial Services which was for 4 years, starting in February 2016. The deposit was £347 and the monthly payments thereafter were also £347 on 28th of every month. At the end of the 4 years, I'd have the option to…
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"How good are your neighbours' credit ratings?"
Please excuse the source for this, but if you fancy a giggle... https://www.dailymail.co.uk/money/cardsloans/article-7128699/People-living-South-East-highest-average-credit-rating.html :rotfl::money::rotfl:
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Concerned about large drop
Hi all, Looking for some advice... 3 months ago I moved house as we managed to get our first mortgage (had also moved house 7 months prior to this). Obviously because of getting the mortgage, change of address, change of address with our bank etc I was expecting my credit score to drop. On Noddle it dropped about 20 points…
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Letter from O2 about an account I have not opened - possible ID Theft what actions should I take?
Hi I received a letter from O2 to my Home Address stating that I have opened a contract with them and giving me a card with a mobile phone Number. It all looks very Legit. The letter says that it is contract for an IPAD and data plan. So far I have rang O2 customer service who say the mobile number does not exist. To…
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Should I close my old bank account?
Hello. Over the past couple of years I've been paying off debt so I can save up for a deposit on a house. Along the way I've been closing my credit accounts too. This month I'm paying off my £600 overdraft on my 20-year old Natwest Current Account and removing the overdraft facility. I no longer bank with Natwest, so the…
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Identity Theft - Phone contracts and bank account
Hi, I have been a victim of identify theft, a bank account was opened in my name (on-line). I received the account welcome pack, debit card and various PIN numbers for on-line banking / telephone banking etc to my home address. As well as this, several phone contracts were taken out in my name (in-store) from a well known…
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Lowell - replicated B/Gas default
I had arrears on a British Gas account, I believed it had been paid off as I made installments over a number of months. It turns out, all the payments were put to the electricity account (wasnt in arrears & all payments showed as a credit and I was later refunded all payments). British Gas confirmed they passed the matter…
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Removal of default advice
I opened a irresponsible lending claim with Aqua, and they found in my favour. They gave me two credit cards within days of each other, and they both defaulted in Jan 15. They have agreed to remove the default from one, and refund the interest paid. I’m still paying the purchases off myself. Is it worth pushing for the…
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Credit Karma - No report print facility?
Been using Noddle for a few years and printing\downloading my credit report each month. Now have been migrated to Credit Karma who have taken over Noddle. Can't see any way to print or download my report, merely to look at the different segments online. Am I missing something or does this facility not exist within the new…
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Partners Credit Score
I live with my partner and our two children. Our finances are separate apart from one joint debit account. If my Credit score drops as a result of defaulting on a credit card which is only in my name, would her credit score be affected because of that one link of our finances? Thanks for any advice Ray
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Advice
Hello, I currently have around £5500 of credit card debt from when I was younger and stupid. I am currently on a debt management plan as there was a period of time when I couldn't afford the monthly payments the bank were asking for. However, I am now in a position where I can afford to pay more back each month and I am…
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Credit card payments credit score
If I pay my credit card before it’s due date, will this go better against my score? As I’ve heard numerous different answers to this I want to know exactly what to do (As in wait or pay off in full straight away).
