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Credit file & ratings
Archives for October 2021
Discussion List
Old accounts on credit file.
Apologises if this has been asked before however, looking at my credit file I have a number of entries dating back to 2015. I know defaults drop off after 6 years but does this apply to old accounts as well. Thanks,
Partner with defaults and getting a mortgage
Hi all Looking for people with similar story and their experience. Me and my partner are aiming to get a mortgage in April 2023. Problem is her credit score is really high while im just coming out of DMP plan. This month im going for full and final settlement with my creditors. As far as im aware i got up to 4 defaults…
Financial association added
My husband and I wanted to apply for a loan and we were looking for a couple of loans, so we used the nationwide eligibility checker for a joint loan, but we never applied. Now I've gotten notification that I will have financial association with my husband and will be added to my credit report in October/November. Would…
Recently moved. Should I move all information with me or keep it at home address?
During the Summer I believed I was in a position to apply to buy a house. When I was rejected by the bank I checked the 3 major credit agencies and found my score lacking (mainly because I rarely ever used credit). I’ve taken steps since to take out a Credit Card and to pay it off straight away being one example. I have…
If I am a company director with someone else does our credit files get linked?
Hi, I run a tiny business. If I wanted to add another person as a Director (limited company), so he would have the same rights as me and become legally responsible for the company as much as me, then would our credit files get linked? I ask because if you share/rent a house with another person, like a girlfriend, then…
Credit file / debt management plan question
Hi, I owe money to various lenders in forms of loans and credit cards. When Covid happened, I've been made redundant and I went into a debt management plan as the monthly interest total was way too much and I couldn't afford to pay it. I used StepChange to set up a debt management plan and I assume all lenders have been…
Do basic bank accounts show on credit file?
A number of banks offer something called a basic account, which seems to be distinguished by offering no credit facilities. If there is no possibility of borrowing, do such accounts appear on credit files? If not, would there be any way for a potential mortgage lender to tell that someone had such an account?
Petition to Reform the current system of payment markes on consumer credit reports
I’ve made a petition – will you sign it? Please feel free to leave your thoughts below too :smile: Click this link to sign the petition: https://petition.parliament.uk/petitions/598236/sponsors/new?token=0n5wYnKrntu7J5zt7gEW My petition: Reform the current system of payment markers on consumer credit reports Credit…
Settling 15 year old debt effect on credit file
I was hoping someone could advise. I have had a payment plan for 15+ years to 7 different creditors and I get regular offers to settle the debts for a fraction of what is owed. Because the debts are so old they don't seem to be listed on my credit report so what would be the impact if I did settle? If it did have an impact…
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