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Credit file & ratings

Archives for February 2020

CCJ 4 years old
I have a CCJ that's 4 years old on my credit file. I never denied owing the money ..in fact I was paying it off through a debt management plan. But the I split up from my partner and moved away.....he never sent me any outstanding mail. I went one day to get a loan and checked my file ...refused CCJ on it. I never recieved…
CCJ Cleared.
I had a payment plan to pay off a CCJ which I have made the final payment for today. It was through a DCA. Obviously it’s unlikely to appear on my report until the DCA update the files. I just wonder what I am expecting to see. Will the CCJ just clear to a Satisfied status? Will the old account come back to life with a…
struggling to get access to credit reports because i live in a new build!
hello all im new here :)after searching the internet for advice i came across this forum and ive found it very helpful so far but i cant find any advise on what i should do about my situation.ive just moved back to the UK after living abroad for 15 years (left when i was 13)my husbands parents sadly passed away a few…
Equifax update payment details end subscription
I signed up for Equifax free credit report when I was getting a mortgage about a year ago. I naively forgot to cancel the subscription, always meaning to do it, but have been paying monthly ever since. I recently recieved an email asking me to update my payment details with them, not really sure why because the card hasn't…
How reliable are soft searches?
I’ve just done soft searches on Amex and Santander’s own sites (am looking for a cash back card) and got “pre-approved” for Santander card with 3.8k limit, and “9 out of 10” likelihood of approval on Amex. do either of these mean I’ll definitely be accepted? ive got good affordability and credit history *except* one…
CCJ - applied for, letter from company received. What do I do next?
So I have just applied to have my CCJ set aside for a parking fine sent to an old address, I moved out a while ago. I sent my N244 application to the courts with my defence and dates to prove along with my new address. The date of offence was about a month or two before I changed my address with the DVLA (wasn't 100% sure…
Passing a loan onto someone else
Afternoon, i currently have a finance agreement with a company for a Sofa, (£46) spread over 4 years. Currently just done over 3, if I want to get this put in someone else’s name, do I need to request it to be taken off my credit file or Will it do it by itself. thanks.
Adding a credit card to my account
Anyone know: If I add a credit card for my wife to my account, does that affect either of our credit scores?
HELP PLEASE ! Credit score doesnt go up
Hi. 5 months ago I've registered with 3 different credit score monitoring websites for 3 different scoring agencies. I'm using 3-4 credit cards to build up my credit score. Spending little amounts allways payng back on time in full. Every month for 5 months my Experian and TransUnion credit score goes up 5-15 points but…
credit payment table
Evening all Could anybody tell me what the crossed out U stands for on my report payments
CCJ - Set Aside Today - What Next?
I had a CCJ for an unknown debt, at an old address, where a default had never been issued etc.... Reston Solicitors were awarded the CCJ in default (as I didn't know about it). Today I successfully applied to the court and had the judgement set aside. It shows on my Equifax but not Experian credit report. What is the…
Paying old debt after 7 years
I have a small amount of debt from 2011 for about £1800 , which was an Argos store card. At the time I had no way to pay it back. Forward to 2020 and my credit rating is pretty good with no debt or loans. I do however still pay £10 pm to a recovery company for this debt. If I now agree to clear the debt will it reappear on…
notice of disassociation
Hi, I used to have joint mortgage with my ex but managed to remortgage in my own name recently. I would like to remove my ex's name from my credit file. Will it update itself in time to show I'm no longer associate with him or it's something I need to tell the credit reference agencies myself? There's no dispute or…
Will a preapproved credit card affect my rating?
I applied for a mortgage just over 2 months ago, I waited till that mortgage was all approved and credit checks done before I then applied for a credit card to manage daily spending and fully pay it off each month. But that house sale then fell through and I had to apply for a new mortgage on a higher sale house. Which…
How much will refusing to pay a single payment affect me?
Does anybody know how much refusing to pay a single payment of £800 affect my credit score. My Dixon’s Carphone sent me an empty phone box and are saying they sent me the phone. They refused to send a new one or cancel my contract so I transferred to a different provider. They want to charge me for cancelling. I could take…
ID Fraud Affecting Credit Rating
Hi everyone, apologies for the long winded post. I was the victim of ID fraud where someone set up two bank accounts, a store card and two credit cards in my name and withdrew a lot of money. I was working abroad at the time so was unaware of the pile of letters mounting up asking me to pay these debts. I eventually sorted…
Couple of questions about my credit file and debts.
After years of not handling my money particularly well (partly because of fluctuating earnings and partly my own mismanagement), I finally decided it was time to start getting my ship in order, now that my finances are a bit more secure. I've signed up to Totally Money as well as the MSE Credit Club to get a handle on my…
Trust deed
My ex had entered into a trust deed, we had a joint account which I never used or paid into. There is a default in my name because of account. I have tried to get the bank to remove my name but they said they are unable to do so. Is there anything else I can do.? I was advised that I can do a disassociation form.. But when…
Experian
Evening folks ... I've a van which I've had for nearly 4 years coming up to balloon payment time I was looking to trade it in and lease a new one ... I've a 999 point score on Experians database and am squeaky clean in every aspect of my financial side yet I've been declined credit ... I'm mortgage free now and have very…
Credit rating causing an apparent issues
Hi all just wondering if anyone has had a similar experience and how was it resolved? My credit card limit was reduced by £8000 overnight A letter was received but after the actual event Today I have contacted the customer service of the credit card to be told that they have reviewed my account using a CRA and that it has…

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