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Credit rating confusion
I am having some confusion over my credit rating. Whilst my credit report shows what I think is a good credit rating, I have been declined a credit card application. I have just used your eligibility calculator on this site and I was told that you couldn't get my information from the credit bureau. I am eager to resolve…
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Old Debt - New Entry
An old debt that I am paying off via StepChange has been sold to Arrow Global. The old debt file has disappeared from my file and Arrow Global have started a new file from the date they acquired the debt that doesn't show as a defaulted account or the original default date. I have a similar situation with a debt sold to…
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Mortgage application & history of payday loans.. help!!
Me and my partner are looking to apply for a mortgage at some point this year. My credit file is immaculate, however, he has a history of payday lending from 2012-2014 nearly every month... each was paid on time and there was never a late payment. Will this stop us from getting a mortgag? And if so, how long for?! Thanks…
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Advise on credit application
Sorry if I am posting in the wrong place! My husband applied for a loan with our bank about3 months ago in his sole name and it was declined for reason we do not know. We wanting to borrow some money on a secured loan on the house to pay off all cards and loads etc and have some left to sort our garden out. He is worried…
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Incorrect Default (Orange) on Credit Report
Hi Guys, Hope you are all well. Need a bit of advice regarding what I believe to be an incorrect default shown on my Equifax credit report. The report shows 2 accounts both with Orange, one running from September 2010 to the present day, with no more than one month payment late. The second shows an account running from…
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debt
say if i have historical debt that is under 5 years old think mobiles vanquis etc plus a few letters coming from debt recovery sites is there anywhere I can find out who i owe and what i owe assuming i no longer have a clue what I owe apart from the debt letters?
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Charging Orders
I have now decided to sell my property, but there are 3 interim and 1 final charging order against it. How do I find out the value of the debt related to these orders? Any help appreciated!! Thanks
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Rebuilding my credit score whilst having debt
Hello, I've recently been looking into clearing my debts to start rebuilding my credit score as I'm trying to save for a mortgage to buy a house in the next 2-3 years however I have a few questions. I just used noodle and it says I'm credit score is 530, which I know is really low and I expected that as I was silly when I…
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Previous Address & Electoral Roll
I've just had a look on Experian and it says that I wasn't registered on the Electoral Roll at my previous address, where I lived for 6 months. I was definitely on the electoral roll there, as I applied for a mortgage while living at that address. Recently I haven't been able to take out a new balance transfer card when…
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Demands for payment for my mum at my address
Hi, We received a demand from a debt collection agency for a well known mobile provider. It was addressed for my mother in our address, she doesn't and never has lived with us. She is an OAP and has never had any credit apart from her mortgage. The first letter i returned to sender stating no one of that name lived here.…
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Questions about defaults CCJ, credit file and overseas EU creditors.
Hi folks, I have checked credit file and there is 1 default or ccj that is about to expire in 2016. I was thinking to contact creditor and without admiting liability offer some sum to remove it faster. Is this a) technically possible for creditor to ask registers to remove part of account history prior to 6 years? b) it…
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Dodgy data on credit file
Last year I got a spurious letter advising me I owed money to a catalogue company I rang them and explained that I wasnt the person they were looking for and was told it was a mistake. The address was listed as Southend on Sea whereas I live in Manchester. I now find that they have put an associated address to Southend on…
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Andrew James enforcement limited please help?
I've had this letter through the post this morning in regards to an ongoing case with my local council..... On my last house I moved out of my landlord stiffed me by telling the council I had moved out later than I had. Creating £377 worth of debt. Now I have Andrew James demanding £700.00 I'm petrified, I'm worried that…
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Struggle for compensation over false delinquency on report
Hi guys/gals, I would much appreciate any advice on this problem.. A finance company put a false delinquency on my callcredit report which was on for 2 years (as I didn't know callcredit existed). My Credit rates seemed bad so I investigated. When I discovered this I asked for it to be removed, which it quickly was and my…
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Poor understanding of my credit file (where am I going wrong?)
Hi folks, I apologise if a similar question has been raised previously! I am seeking some advice, or better yet someone who can dumb down my understanding of a credit report. I've been in constant employment since 2009 (I'm 25), have had car finance, credit cards, phones etc in my name and have all been paid with no…
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Does Name Change Affect Credit?
I recently got married and we are looking to buy a house imminently. I was told that if I started changing my name on my bank accounts, driving licence etc, this could affect my credit score/rating and could have a knock on effect on getting the better deals for mortgages. As we had a house in mind I was happy to wait for…
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Poor credit but no idea why?
Hey guys, I'm a 35 year old guy, employed full-time and have a very good salary. My partner and I are about to apply for a mortgage and so in preparation, I ran an equifax credit report, which I was expecting to be flawless and it was, though my credit score was 365 "poor". I have no current or past CCJ's, I have never…
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CapitalOne - not rebuilding my credit?
Hi, my first post on MSE, wd be grateful for your thoughts/advice. Two years back I obtained a Capital One credit card with the sole intention of rebuilding my credit. I have used it consistently and always repaid it in full every single month in plenty of time so that I never once went into interest. However, when I…
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Should I wait to apply for student credit card?
I have a default which will be 3 years old in a week or so and have read/heard many things about this but would like clarification if possible. This post caught my attention from an old topic on here http://forums.moneysavingexpert.com/showthread.php?t=2561943 Is this actually true/proven? And if so should I wait until the…
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CRAs View on Arrangements to Pay
Do you have an historical Arrangements to Pay (APs) in your financial history, and if so how does your credit file reflect them? Nearly two years ago my OHs bank recalled his overdraft. We couldn't afford £900 a once so he called the bank and they agreed to reduce the overdraft steadily over four months. We (over)paid this…