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Can lenders put a default back on my account
I went through an IVA in 2019 I have been clearing up my credit file as my mortgage broker advised that defaults should be registered for when the IVA was approved. All lenders agreed to this and for approximately 5 days my credit file was free from defaults. However one lender has updated this and changed the default to…
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Moved: IVA advice
This discussion has been moved.
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Moved: Paying off IVA
This discussion has been moved.
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Scam - How to put protective mark on credit file ?
This seemed the best board to use - and I couldn't find the information I need using the search function - certainly it didn't produce any recent post. I have been targeted in a scam and realise I should do what I can to protect my finances. How do I do that? That is, other than manually checking my credit files (which I…
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Advice needed re: closed bank account and CIFAS
Around 2 months ago, my bank froze my account and wouldn't tell me anything (so obviously regarded it as suspicious). This lasted a couple of weeks, after which time my account was reinstated. I then had around a week where I could use my account normally - during this time I did not make any unusual transactions or…
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Mortgage Contribution and Credit File
Hi Our house is in my partner's name only because it meant we could secure a much better deal. Since I pay half of it is there a way to get this contribution positively reflected in my credit file despite not being a named party? I've used Credit Ladder previously in a rental situation. Thanks in advance RTO
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Credit Ladder Exit?
Hi all, I've searched but not found anything to put my mind to ease. I've been In a social housing rented home since 2016 and on credit ladder since early 2017. About a year ago today I was made redundant and have been self employed since, since then I have wondered is it possible to exit using credit ladder without it…
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Experian - British Gas - D on file?
Firstly, I got my statutory report and there are 7 ' D' markings on the file, but they didnt send a key so I can only assume this means 'default'. The period it is for is Oct 23 - May 24 and Oct 23 is when BG changed to a new system. I know this because the same period on my Equifax report says 'no info' for the same 7…
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CCJ - Registered at Linked Address
Hi all, seeking some advice on a CCJ. History: I was previously very loose with payments and financial responsibilities, but for the last 5-6 years have been credit and (I thought) debt free. I spent a few years clearing up what mess I could, but ended up with a CCJ in 2020, that I’ve not ended up paying to settle.…
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CIFAS Question
Hi, I’m 4.5 years into the 6 year CIFAS Punishment. I can’t find many answers online as I’m not sure if CIFAS has become bigger in last few years but does anyone have any experience of once the 6 years is up, is it literally gone of the SAR the next day? Has anyone successfully been able to get a mortgage/credit card other…
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Iva
Hi, I’ve been in an IVA for 4 years and have put in a letter to end it as I want to just get my debts paid off. They said it will go down as a failed IVA and it will be on my credit file for 6 years. Is the 6 years referring to when I started the IVA or 6 years from failing and ending it? thanks
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Over 10 years old debts, Defaults have come off my credit file, can I still get CCJ.
I had 3-4 defaults since 2014, they have come off my credit files, original debt was sold to Cabot and Link Financial. I agreed a payment plan in 2014, then those debt were reported as defaults, I kept paying £1 for each to Cabot and Link Financial until couple of months ago. All defaults came off my credit report 2 years…
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value of score
i have read all the threads re score and i know its not the be all and end all - but im sitting in the fair bracket on Experian because i have a cc upto the limit and a a loan which is now paid off - no adverse credit, late payments etc... but we are going through mortgage application and so worried they will look at my…
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experian or other
Hi all Just shifting through things Is Experian better than other credit scores or for check what you had or outstanding banks or loans etc or is there free service version just as good as Experian As for there dark webscan, is this actually good or just all hyped up - I was thinking of buying it Anyone used it before or…
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Capquest/Opos Limited chasing a debt from 18 years ago
Hi, I received a letter today from Opos Limited on behalf of Capquest Debt Recovery ltd relating to a debt for Shop Direct that I no nothing about. I have since contacted Shop Direct and we managed to trace the debt back to September 2007 at an address I haven't lived at since that 2008. I've never had a debt on my credit…
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BTL Application - Financial Association Query
Good morning. Just a quick query about a future BTL mortgage search. My Wife is to soon remortgage her BTL mortgage deal to a new lender and I was wondering about how my credit file would affect the search as a financial associate? We both have great credit history, no missed payments CCJ's or defaults but we have some…
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Security Clearance; hard or soft search?
Hi, I am about to renew my security clearance for work and wondered if anybody knew whether the finance check they do is a hard or soft search? I am waiting to complete on a house purchase so if the search they do is a hard one I would rather delay my clearance application until the mortgage has completed. I have searched…
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Tesco declining my application for a new phone
I have a good credit score yet tesco have declined my application for a new iphone 16 plus which was on a good offer via clubcard. Being in our sixties and mortgage free we have absolutely nothing on credit except my Vodaphone contract which is due to end later this month. This is the first time ever that I have had a…
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Do linked addresses ever come off a credit report?
One address I moved out of 13 years ago (referenced to a long extinguished PCP loan) and the other is coming up to 9 years old. Should these also be removed at 6 years like credit account details and the like?
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Barclays letters in someone's name and now collections one!
Hi hope someone can as ive been on phone to barclays and still feel sick with worry For months now we have been every so often receiving letters from barclays with someone else lses name on....its a long non english name so can not remember it fully. We ignored and ripped up as they seemed like scam letters. Today we got a…
