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Defaults and mortgages
Hi I am after some advice and hopefully this is the best section to post in I’ll try and keep this as concise as possible. Basically my girlfriends ex partner ran up debts in her name when they moved abroad in 2013 (using her credit card and not paying off a store card agreement that he had said he would as well as various…
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Barclay Card and Call Credit / Equifax
Hi, I've noticed that my balance information for my Credit Card hasn't been updated since 28 August. Which is I assume because Barclay's hasn't supplied the information? I noticed when I logged into to Barclay Card "Coming Soon, Experian Credit Score This service is in the final stages of being prepared. Log back in soon…
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noddle credit score
hi is this a correct credit score.. using noodle received email saying they can improve your credit score if you sign up paying a fee every month..
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When applying to get a CCJ set aside how long does the procedure take?
So from first requesting to get a CCJ set aside until you get a verdict, how long does it take? Also what does this mean; I have filed my defense for a setting a side of ccj from a dodgy now dissolved parking enforcement company. I have just received a letter stating, The court has sent the letter by post and the envelope…
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Landlord has received a CCJ
Hi there, Long time reader first time poster :D Recently my landlord was issued a CCJ at the address my girlfriend and I are renting (though a separate letting agency). I'd like to know if anyone can confirm if this will or will not affect our credit rating. Most people seem to ~know~ bad credit ratings go onto the…
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Clearscore
I signed up to cleasrscore so i can check my credit report. I have a very low score to be honest. But on checking my closed credits i noticed that there are some accounts still on my credit file going back to feb 2009. I thought that any accounts would be removed from my credit report after 6 years. So my question is, why…
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should I close some credit cards?
Hi, I'm due to remortgage next year and trying to improve my credit rating (whatever that is). I'm trying to clear debts as much as I can by then (hope my cc debt won't be higher than 5K at the time of remortgage), but at the same time perhaps closing some credit cards (or even reduce ovedraft limits on bank accounts would…
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how long
are old addresses kept by CRA ? and available to be viewed by lenders/companies most companies ask for your old addresses in the last "x" yrs , however , noodle (if not others) show addresses well exceeding most companies requirements ,
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Paying back debt - defaults and AP
Hi there, I failed to manage payments with two credit cards in early summer 2012. I made an 'arrangement to pay' with both by August 2012 and am now in a position to pay them back. I've checked my credit record and one of the lenders - Capital One - put a default on my account after 3 failed payments. Looks like I caught…
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Scottish Power Default
Hello, I've just looked at my credit file for the first time and there's a default on there from Scottish Power for £117 dating back to 2011. This was when I switched supplier to Npower. I have been at the same address for the past four years and have not received any bills or letters stating that the account was in…
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Nat West, Old Defaulted account back on credit report,Second time!!!!
So just checked my credit files after an alert and Nat West have reported an old defaulted account again,second month in a row,after initial expiry at the end of August. After last months reappearance they pledged it would never happen again . I bank with Lloyd's and for the second month running have received feeds from…
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Incorrect defaults and missed payments?
Hi I'm new to this site. So nice to meet you all :) Back in 2012 my husband and I came into financial difficulties. We set up a dmp and payment was agreed with the creditors and received from dec 2012. Only two payments we're missed to these creditors whilst it was being set up October and November 2012. Upon recently…
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Free Noddle Alerts
If you quote the code TT231 at the check out you will get free Noddle Alerts for 12 months. :D
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Well where is the information??
Hi All I lodged a dispute with Clearscore as it had an account showing as open which is in fact closed. I received an email which supposedly has their response but there is nothing there and as it is an automated email, I can't respond. This is the email received in its entirety. Any suggestions: IMPORTANT This is an…
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Vodafone have searched my credit file
HI I've just had a look at my latest credit report and i have noticed that Vodafone have checked my file three times this year. Next to the entry it states 'anti ML' or words to that affect. Why would they do this? I am a long standing customer of Vodafone with no defaults on my account. It concerns me that they carry out…
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can't access credit report
Hi all, I've decided I needed to see my credit report as I need to start getting my life back on track. I first applied via noodle as they are free, however after going through the verification process they said one of the answers I provided were incorrect (I'm fairly sure it wasn't but they currently aren't open for me to…
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Overdraft request rejected - does this affect my Credit Rating
All, As the title suggested I recently attempted to take out an overdraft on my current account and I was refused. Will this impact my credit score negatively? Thanks.
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Bank A/c Numbers on Credit Report
I signed up to CreditScore (well, it's free) and when checking the details of the current accounts, I spotted that the last 4 digits of account number that they display on 3 of the 10 current accounts do not match the actual last 4 digits of my account numbers. Everything else is correct, date account opened, name, address…
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Credit Report Factors
Hi folks Checkmyfile score - 790 Experian Score - 590 Apologies for the long thread - Looked at the experian score and found out the negative attributes. I have no defaults, no ccj's, registered on the electoral roll etc. 1) 11 non mortgage accounts - negative 2) high credit utilization - negative 3) Non mortgage credit -…
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Credit File doesn't include linked addresses/accounts
I recently had cause to check my credit report(s) and I have a question I’d like to ask the forum relating to my rating, which is quite good as it stands, but could maybe be better. I’ve lived in rented accommodation as a private tenant where the utilities, phone line and council tax are all in my name and paid up on time…