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Vanquis card...close down ?
Hi all Ive had a Vanquis credit card for about 10 years now....currently at 4K limit......never in the time I’ve had the card have I been in arrears with it...payment always made on time.....although i have paid interest on it...sometimes quite high ... as time as moved on I have newer cards with better interest rates…
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Can Equifax mannualy amend credit report?
I posted a thread just over a week ago about one of our old defaulted accounts being taken over by another company (Arrow Global) and the default date being changed from 29/9/16 to the 2/4/19...not great as we are applying for our mortgage next week. (I cannot seem to find my thread on this) Anyway, we raised a dispute…
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what is worse for my credit score PLEASE HELP
Hello everyone, i am new this this and i would really appreciate some knowledgeable advice, due to recent events regarding my Business i have found myself in a tricky situation, i took a £19,000.00 loan out for my company which i personally signed guarantor for. since then my company has not been paid a £40,000.00 invoice…
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Finance impact on credit score
Hello, I'm wondering how much it could impact a finance plan of around (700 pounds) on my credit score.2nd question is how much it will impact if there are interests, for example around 5% (not really worrying) The point of these 2 questions is because I would like to buy few items, but for now let's count 2 (1440 pounds),…
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Financial connection created after soft search?
I recently got a DIP from Nationwide and this has created a connection with my partner on ClearScore (so I’m guessing Equifax) even though it was only a soft search. Is this normal? I don’t mind this as obviously in the future we will be linked but I didn’t think this happened after just a soft search.
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The Process for registering a Default
Does anyone here know the legal process for registering a default? What are the process and rules a company (bank in particular) must follow to put a default on a customers file. This includes, letters, communications etc Thanks
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Shop Direct "in default" but it's been paid off through Lowell
On my Clear Score report it is showing a Shop Direct account as In Default with a current balance of £1300 (credit limit £1325). It showed up on my report in October 2018, but it had been passed/sold onto Lowell in April 2016 and I had paid the full amount to Lowell by May 2017. The Lowell account is also showing on my…
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house purchase and electric role
I moved into rented accomadation 2 months and have not updated the electric role yet. yesterday I had an offer accepted on a property-will this have an impact on my credit score and affect my mortgage chances?
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How is persistent debt recorded on CRA's?
Just wondering how this is, or is going to be reported to through the CRA's? Has anyone experienced this yet? They're quick to say 'it may effect you credit file' on the PD letters, but how???? How is it reported????
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ICL/Money shop
Does anyone’s this company still operating? I seem to be seeing conflicting information. I owe money to them and I’d like to see if I could get it sorted.
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Credit file status..
You know the way when you don’t pay a bill for 6 months, the numbers show up on your credit file from 1-6 and then it defaults; I have two accounts from 2016 that went from 1-6 but each month the companies are updating with a 6 and there is no default date. anyone got any ideas?
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Old NatWest accounts
Evening Forumites! I signed up to Credit Karma and can see two old NatWest accounts on there, both with a small negative balance. I obviously want to arrange to clear the balance, to help improve my credit history, but have long since lost access online to deal with. How can I get access to them to arrange to pay off? I…
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Debt Advice
Evening all, I was a bit of an idiot 10 years ago and went mental with borrowing short term payday loans/bank loans and credit cards. I’ve basically buried my head In the sand since and done nothing about it. I’m now in a steady position and wanting to face into the debts to improve credit score ect, I have absolutely no…
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When will late payments drop off?
Is it the date of when it first went into arrears or from the date when it came out of arrears? Basically all my debt will be paid off in the next 6 months so no worries of getting a further CCJ, I understand that the defaults will drop off after 6 years (the last one drops off December 2025, not ideal but can't be helped)…
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Credit score moving up advice
Hi i have 5 defaults 4 drop off in July 2020 and 1 in May 2021 my score went up last month on experian from 601 to 722 is this because my defaults are old now? i still can get credit but i presume i will be able to soon. I cannot register on the votors roll so not sure what impact this will have on my credit score in the…
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Anyone else having issues with Credit Karma?
I've been trying to login to my Credit Karma account this evening and I keep getting the message, "Oops, something went wrong while trying to perform your request. Please try again later." Is anyone else having the same issues? I've tried resetting my password but still no dice.
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Equifax thinks I'm not on the electoral register?
Just looking at my statutory report on Equifax, and I noticed that "Electoral Register" is highlighted in orange on the left-hand side (all other categories are green), and when I go into it it says "Confirmed at Present: No" and further down under my address "Dates on Register: 05-19" which excludes this year. Is that…
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NatWest partnering with Transunion
There is a notification on the NatWest app saying that they have partnered with Transunion so users soon be able to see their credit score on the app. It will be interesting to see if it is just the score or the full report. Sadly, I expect it will just be the score along with advertising their credit products. Is there no…
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persistent debt letter
I had an interest free period granted after I had the above letters, but I've just noticed that those accounts are no longer showing on my credit record. Does anyone know why?
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credit score - few questions
just wondering if its worth having more than one credit rating account? currently with Experian but I have been recommending check my file. Should I have both? Do they all show the same info? which is the one most companies use for credit checks? Can anyone help?
