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Cannot register on Votor roll to improve credit? i can't?
Hi, i have been in a DMP for some time and have 5 defaults (4 of which drop off in July). I am trying to improve my credit score asap. I have a mortgage on a property that my mum lives in (who claims housing benefit) which is all above board. All my documents driving licence/passport/bank statements etc are in my mum's…
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Not taking mortgage after acceptance - impact on credit report
Hi, I am in the process of buying a new build house with help to buy. I applied for mortgage with Santander and it has been accepted but I have changed my mind now and do not want to buy this property. Santander has already done credit check and I can see two hard checks on my credit file. I am wondering what impact this…
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What CRA do Alphabet finance use?
Hello does anyone know what CRA Alphabet use? :)
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Calls from Capquest over 12 year old debt
Hi I recently had a letter from Capquest out of the blue for a debt I had from 11 or 12 years ago. I was given a CCJ for this debt which has dropped off my credit file now around 4 or 5 years ago. I haven't heard or sopoken to anyone regarding this debt for nearly a decade. The letter I received explained that I still owe…
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'Satisfied' on credit file
Hi, 4 years ago, I got frustrated at never being able to get through to a call centre to cancel a mobile phone connection - it's was a £10 a month sim only data contract for an old iPad, but whenever I tried to call Three to cancel, I would always be on hold for 45+ mins and never get through to anyone. It was a rolling…
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Going full monzo and credit score
Hello all, I have decided to go full monzo (use monzo as my main current account) I have just read that monzo only report to 1 of 3 of the UK credit agencies therefore it may show on the other 2 that I have no current account. My question is: I have a Santander account which I use solely for bills (rent etc) this will…
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What are my Default options
Hi All, In 2011 I took out a loan with HSBC whilst at Uni. In Sept 2014 I defaulted. The debt now at 5k was then sold into Cabot Financial, who have now offered 50% partial settlement. I have been making notional payments and understand the default will fall off my credit file in Sept this year. Should I take the offer up…
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Can be deleted
Can be deleted
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Defaults - How long do they stay on my report?
I have a default with Lowells showing on my MSE Credit Club Report/Experian which I cleared in June of last year. Does it stay there for 6 years or should it drop off now that it is cleared? I always thought they should drop off, but happy to be corrected!
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Loans and Credit Reports
Hello there. First time poster here. Out of curiosity, does anyone know if it is possible to remove a loan from your credit file due to not having used the loan as I excersised the 14 day cooling off period? Thanks in advance. :money:
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CCJ and company owed to no longer trading
Hi first post here so be gentle. I am currently in the process of clearing my debt in anticipation of buying my first home. In amongst a credit search I notice I have a CCJ which needs sorting. It was bascially a wage dispute with a previous employer and everything was sent to the wrong address so by the time I noticed it…
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DAS Effect on mortgage application
Looking for any help with this at all please. 16 months ago I entered a debt arrangement scheme in scotland (debt around 28k)Fortunately I am going to be in a position to have this completely paid off in another 22 months. A year after that I should have enough for a deposit to by my first home. Does anybody know if the…
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Removing late payment
Hi all I’ve had some unfair late payment markers recorded against me which the company have agreed to remove. They say they will have removed them by Friday. They are on Equifax only. My question is, will Equifax also reflect them being removed by Friday or does the company also need to update Equifax on their monthly…
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Arranged payment to delinquent
Hi I took out a loan several years ago and struggled to pay it back so had an arranged payment plan in place. I never missed a payment and I never paid late. My credit report showed AP against all my payments. I then was able to pay the loan off in full a few months ago and my file immediately changed to 6 missed payments…
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Car debts, are they wiped the same as normal debts?
Not me by the way, I have never drove in my life. I have a friend who a few years back was sectioned after a bad period in his life with multiple close family deaths and turned to drink for a short period and never fully recovered and was out for work for over 18 months due to the health and now can only work part time. He…
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Double entries in credit file
I along with my wife applied for our first Mortgage with Santander. I was checking my credit file today and it shows double entries for the checks done by Santander. One with my correct details but the other one has my address incomplete. Two hard checks, two soft checks and two entries in financial associations with my…
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CCJ Set aside - tuition fees
Hi All, I have had a good read over the forum for advice but I just want to make sure I am clear. Bit of a long story so I will keep brief or as brief as I can. I applied for a distant learning course through a university in March 2016. Due to my job I started at the same time I could not complete this course. Anyway they…
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Notice of correction
I noticed that my Equifax report was no longer showing me registered on the electoral roll so opened a dispute. Upon logging in again I found a notice of correction had been added, apparently by myself. I didn’t add it, I only disputing the information! I called to remove this and was advised it could take 5 days. Two…
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How quickly are records updated?
Hi I just need some advice So I’ve come into some inheritance which I’ve used to pay off my credit card debt, well 80% of it. My current car has given up the ghost and I’m looking to purchase a new car. What I’m wondering is how long is it till your old debts are no longer visible on your credit report? If I look at my…
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Parking eye court threat