-
How long before searches show on credit file?
I'm sure this has been asked [and answered] before but I was just wondering how quickly credit application searches show up on credit files e.g. Instantly [within minutes] Overnight [within hours] Days - perhaps over the course of a couple of days or so? Does it perhaps vary according from lender to lender / CRA to CRA?…
-
Received a CCJ after Bankruptcy
Hi all Basically i declared myself bankrupt in Nov 2009. In June 2011 I received a CCJ for a debt (around 28k) that should have been cleared with the bankruptcy. I knew nothing of the CCJ until recently when we had credit checks done to rent a property for which we were declined. I've been in touch with credit expert but…
-
what is effecting my credit score?
Hi I have been using noddle to view my credit score and over the last 6 months my score has dropped from 5 out of 5 to 3 out of 5. I have never missed any payments ever on my mortgage or my bills and credit card, I had a credit card of a balance of £4500 but I cleared this before Christmas. As I was paying this the credit…
-
gambling and CR help please
Just seen that when I checked my CR with Noddle that the online bookmakers are searched for under 'Money laundering'. So it does go on your credit file. And it states that 3rd parties may be able to see these searches. SO if I went for a mortgage and they seen a dozen searches by bookmakers is this going to effect my…
-
Credit file clear but still refused new mortgage
Hi - any advice welcome! I was turned down for a new mortgage (from a joint into my sole name) on Monday due to credit score. I was very surprised as all I have is my joint mortgage (every payment made on time) and my very low Very account, every payment made on time. Credit file ordered and a default discovered for £39 to…
-
Massive HSBC error
Hi there, I took out a loan with HSBC for £15k in July 2013. I have only just checked my credit report out of curiosity. It appears that HSBC have been incorrectly double-reporting my loan on my credit report since I took it out in July 2013. Therefore, although I only owe around £11k, they are reporting that I have two…
-
Default without notification
Hi Sorry this is long winded, but needed toprovide all the information to paint a clear picture. I recently received a letter dated 29th January with the header ‘Notice of intention to update default’ from Northumbrian Water. The previous correspondence I received was dated 27th January with the header ‘You Water Services…
-
Coming off the credit score bandwagon
Hi, Bit of a different question but I would appreciate opinions. I have had some problems in the past mainly due to divorce but things are going ok and I am paying my debt down at a good rate. Due to defaults my credit score is still only fair - however, I have the opportunity to open a bank account with a bank that does…
-
Old account and Debt uncovered in credit report!!
***originally posted in wrong forum, apologies*** I recently checked my credit report. On there was a debt from an old bank account I thought had been shut 15 years ago. It turns out there was a transaction that went through after I stopped using the account (must have used the wrong card) for around £25 Since then around…
-
Building Credit Rating
Hi, just after a bit of advice if thats ok :) I'm building up my credit rating from nothing to ultimately, a First Direct account. Mainly for access to the savings account. So far I have an Aqua card (2 months), a current account with TSB (for the 5%) and a Coop current account together with a cashminder. I opened the Coop…
-
Electoral Role - Register with parents address or my flat (will be moving soon)
Hi guys - first of all, apologies if this post is in the wrong place, couldnt really fit it anywhere else. OK, so I was at uni from 2009 to 2014 and I kept the address of my bank statements, credit cards etc as my parents i.e. what i felt was my true 'home' at the time and its also good for the credit rating. I graduated…
-
One missed catalog payment
Hi I am new to this forum so please be gentle. My wife has always had good credit without struggling to get loans. In fact recently she just paid a loan off. She recently applied for another loan and she got refused. We checked her credit report on Expedia and we noticed that she had one late payment which seems to be the…
-
Mortgage application with credit rating "poor" & "fair"
Hi all, Looking for some help as to how I can quickly improve my credit rating, or if this is something I need to be worrying about! I'm submitting a full application for a mortgage on 9th April (waiting for end of tax year). We have an API already but I know this isn't a full check & I'm concerned as I've run two reports…
-
Make Payment, or Not?
Hello, Recently, just before Christmas, my husband received what we believed to be court papers relating to a defaulted loan from 2010. We dutifully filled out the income/expenditure form and returned it to the creditor address as it said to do. This creditor is in fact a collections company that purchases debt. They…
-
Mistake on credit file, how to rectify?
Hi everyone, EE have left a missed / late payment note in my credit file in Sep last year, after advising me via email to cancel my direct debit in early Sep (following the CISAS case which forced EE to refund all charges since April). Wondering if anyone know how to get this sorted out and whom to contact? Many thanks in…
-
Account Status Code question
HI All I'm hoping someone may help- I'm a little confused! I had a DRO which completed in 2012, I had to chase Halifax as they were still showing as unsettled- which they updated. However I checked my file today and the Halifax are still updating my account status code to 8- even though the account is marked settled at the…
-
The importance of checking your rating
We are applying for a mortgage and about 10 days ago when I created an Experian account and logged on it said my rating was "Good" I went in today, really to cancel it as we've now applied for the mortgage, and my rating has dropped by 268, putting it in to "Poor" One reason is that the mortgage people have checked our…
-
CCJ- wrong advise from Moorcroft
Hi, After falling behind with bills with welsh water unfortunately the debt was passed over to Moorcroft Debt company. I set up a monthly payment arrangement, due to financial difficulty at times the money wasn't in the account for them to debit so they automatically cancel the direct debit instead of retrying. Anyhow,…
-
First Utility
Hi, Can anyone tell me do first utility report to CRA's? We are in credit with them and wanted to stop the DD coming out tomorrow with the bank (and for the next few month) until the credit is gone. Would this class as a missed/failed payment and be show on my report or would they just deduct the bill from the credit. We…
-
Avoiding credit checks when setting up 'donor' accounts
I would like to take advantage of the £100 'switch' offer for First Direct, but don't wish to switch my current account. Elsewhere on the forums, the advice has been to set up a 'donor' account, purely for the purposes of switching, but I think if I do this I will be credit checked twice, once for the original set up and…