-
Can I erase bad credit score
Hi guys my first post on here so please be gentle and bear with me if I drag on. My wife and I wanted to move our mortgage to our main bank as it's cheaper etc, but after a phone call to see if we qualify in principle we were told there was something on our credit rating that wouldn't allow the bank to offer us a mortgage…
-
Just who does get to see CRA data?
Last night I watched a TV programme about parents who game the system to try and get their children into the school of their choice. It seemed to me that the local council investigators who try to prevent this heinous crime have access to CRA credit file data about the parents. Anyone else see the programme and come to the…
-
How can you get a credit check on someone?
A cowboy builder owes me money for a bad job he did and various debt collectors are after him, just wondered if i could do a credit check to see if there are any convictions are on his record? and if he could actually pay back anything Its [TEXT REMOVED BY FORUM TEAM] Worthing o:mad:f J francis construction
-
Living Abroad - Wanting To Buy In UK Credit Score / Mortgages
Hi all, Thanks for reading. I moved to Qatar recently with a view to saving money up for a house back in the UK over 5 years. On checking my credit record it's like I've fallen off the earth. I had some severe debt which has been repaid in full. The debt obviously hit my credit score hard and appreciate it would have taken…
-
Default on Credit File Compensation Amount
I recently queried two defaults on my credit file. I went into a debt management plan and thats why I have the defaults. Is this correct should I have got a default in the first place? Now my bank is saying that I did not receive notification of one of my defaults by letter and are offering £150 compensation - is this…
-
Default on credit file - Who owns this debt?
I'm hoping I can get some advice on my current credit / 'debt' situation. In October 2014 I email Avon saying I had left the company in January 2014 but was still receiving emails / phone calls because someone else was using my account. The email / phone calls stopped so I assume the matter resolved. This month I started…
-
I settled my IVA but don't seem any better off?!
Hi, Can anyone give me some advice please? I settled my IVA back in may, 2 years into the agreement, but my eligibility for credit seems no better? I took out the iva when I was out of work, but have since been employed for over 18 months in a secure job and have paid back what I owed instead of dragging out the IVA for…
-
Virgin credit card refusal
Hi, My girlfriend was refused for Virgin credit card so she tried to check her Experian credit report. She could not register with her current address (we live on a university campus) so she registered with her previous address. The old bank accounts registered at her previous address showed up on the report but not her…
-
Default and Credit Building
Hi all, not sure if this is the correct place to ask, however I'm looking for some advice on my credit file and rebuilding my credit history. My husband and I finally paid off all our credit cards and loans through a DAS scheme - and as we defaulted in 2010 our credit files should show completely clear by early next year…
-
Capquest - account regarded as default or delinquent
A Capquest debt on my Experian credit file. It has only just appeared 9/8/15. I have never dealt with Capquest or defaulted on an account with anyone. The default date is 19/4/2010 The debt type is Communications. Can this be removed because it has passed the 5 year statute limit or are things different for communication…
-
Npower - data collection
My son is in the unfortunate position of having his electricity supplied by Britain's worst company. He has resolutely refused to provide them with his date of birth (data protection and all that), but now it transpires that they have it anyway. Where might they have got it from? One possibility is that his landlord…
-
How regularly can credit searches be made before it is detrimental ?
How regularly can credit searches be made before it becomes detrimental to your credit worthyness ? Would one search on each of the big three, be better than three searches on one agency over the same period of time ?
-
Ccj- help
I need advice in regards to a CCJ I have seen on my credit file. Around 2 years ago my mums partner bought me a car for my 21st birthday. To cut a long story short when their relationship broke down he started to chase me for a sum of £10,000 that he claims is owed to him to for the car. He wanted to take it to court…
-
Capquest , who are they and what can they do ?
Hi , I do have another post regarding this but it seems to have gone off topic and I can't get a straight answer . Basically , what powers do they have ? I have had phonecalls and texts off them in the last week , I presume they are chasing me for an old debt from over the 6 year marker as my credit score is now clear , I…
-
Do applications for bank accounts require a credit file search ?
I know credit card applications require credit file search. Do bank account applications also require a credit file search ?
-
Capquest phonecalls and texts
Hi , I've had a few phonecalls from a strange number and it turns out to be capquest , from what I can see they are some sort of debt collection agency . I have had some problems in the past , but everything on my credit report has now dropped off earlier this year . I can only think they are chasing me for one of these…
-
Lloyds Bank Charges Silver account Refused Refund
Hi all I'm having Silver account since 2011 as I was advised that will help me to improve my credit score and get overdraft on the account. Unfortunately this never happened and when miss sold was announced on TV I've contacted Lloyd Bank. They called me today that my claim will be unsuccessful as I claimed my lost phone…
-
Late payment
Help me please!!! I have an account with very, every so often i buy something on there just to keep adding to my credit score. In June, i logged on to make a payment to clear the balance. Made the payment no problem. Then when checking my credit score (for our mortgage application) i notice a late payment in June from…
-
Which energy companies report to credit reference agencies?
Hi, Me and my partner just moved into a new house and want to start building our credit rating. We are currently looking for a new energy supplier but I thought we could use it to our advantage if we manage to find a cheap supplier that also reports to credit agencies that we pay on time each month. I'm struggling to find…
-
What is seen by prospective lenders?
A quick question to satisfy my curiosity When a search is carried out on your file by a prospective lender do are they able to see which other companies you have credit with, or do they just see the financial information? Thanks in advance