-
Huge disparity between Noddle and Experian
Hi everyone, I've been on Noddle since November of last year, and just recently signed up to Experian since some of my credit cards weren't showing on Noddle. Experian gives me a 968 rating out of 999 (Excellent), whilst Noddle has just reduced from a 3/5 rating to 2/5. I can't work out the disparity between them; I've…
-
Payday Loans
I foolishly took a payday loan due to an extreme emergency when I was abroad, now, in retrospect maybe that was not such a good idea. I've just learnt that taking Payday loans could drastically affect a mortgage lenders decision-making if you would like to apply for a mortgage, even though it was all paid in full on time…
-
negotiating default removal.
Hi guys. A few of you may of seen some of my earlier posts and helped me along the way and i was just wondering for those out there in the know has anyone had success negotiating to have a default removed? Im due to get paid this friday and call and pay off my last few debts and was wondering before i do that is it worth…
-
Repairing My Credit - Removal of Lowell Default
Hi all, First post, go easy! Bit of a background on me, years ago, ie 7 or 8 years ago i was not the best with the little money that i had. To cut a long story short, i have no mortgage, single, and live with the parents, sounds sad for a 33 year old guy - i know! I have recently moved back into my parents house. In the…
-
Identity theft committed by mother
Hi, So this is a complex issue... I'm very sorry for the length of this. I've added a tl;Dr at the bottom. My girlfriend has never been very financially aware. She grew up in poverty and managed to get where she is now (early twenties) without ever really getting independence or building any real day to day life skills...…
-
Alarming reviews of Experian online, which banks use them?
to check your file in UK, apart from M & S Bank and Sainsburys
-
Overdraft after account due to close
Does anyone know what would happen if a current account together with overdraft limit is due to be closed (e.g. as a result of a switch or if the bank has advised that they are to close the account) and on the date it is due to close there is still an overdrawn balance so the account can't close but the overdraft limit…
-
Has this scuppered everything?
I've not been here for such a long time but a while ago the MSE experts gave me some great advice and I wondered if you would be able to help with this one. My husband and I both have nationwide credit cards that we paid by direct debit every month. Last month we cleared the entire balances, intended not to use the credit…
-
southern ireland county court
sorry if in the wrong section can someone in Dublin take you to a county court in the UK company involved is paypal
-
Being a guarantor
For information mainly though I had been considering going for a Santander 123 card to get the interest free shopping deal. I already have a regular Santander card and did by the way contact them to ask if I should close that before applying for new card but there response was not of any help. I digress though. The point…
-
Closed account removed
I've been in dispute with HSBC for about 2 months after checking my closed accounts and seeing they hit me with a late payment marker due to them not closing my account when requested and the 2 banks fudging the transfer of DD from one account to another. Basically, they failed to close my account (balance £0) and allowed…
-
Erudio - Child Tax / Child Credit
I have student loans dating back to 1993 and I have deferred every year. SLC were aware of all my income, child tax , child benefit etc but did not take this into consideration when I applied for deferment, Erudio have. I took my complaint to the FO and I have received notification today that Erudio has operated within the…
-
Do defaults show on Experian statutory report?
Hi All, I'd really appreciate some advice. I got a settled default from 2012 of 300 pounds. I used to have a membership with experian credit expert online to monitor my credit file and the default showed on it. I don't have the membership anymore as it got too expensive. I now ordered my statuory credit report and the…
-
Cancel credit cards or leave with 0% balance
I'm trying to improve my credit rating and have recently managed to pay off 2 credit cards. To improve my rating should I cancel the cards altogether or leave them with no balance in them?
-
A small victory!
OH and I have been trying to tidy up our self managed DMP recently and have had a small success with 1st Credit. When OH checked his Equifax report before Christmas there was a default on their from 1st Credit with an incorrect default date. The original default date was 2006 and they had it marked as Nov. 2009. He raised…
-
Removing bad credit from account in collections
I am writing here as I would welcome some advice on how to get bad credit removed from my credit history. The issue started because my current account with Alliance and Leicester (now Santander) wasn’t closed correctly back in 2008: On 15/03/2008, I went into the Loughborough Branch and asked the cashier to close my…
-
Lowell - Default
Hi guys, For once I actually have something good to say about Lowell Financial. I wrote to their CEO (via email) about a fortnight ago explaining that I had a default from O2 that was paid in full that was preventing me from obtaining a mortgage. I was emailed back a number of days later by a lady called Annie who told me…
-
outdated info on credit file
Thanks for previous advice regarding my situation.I have a default on my credit file which should have been rmoved on 25th feb As it was included in bankruptcy and its gone from my credit file now. They said they are going to remove it if i send a copy of discharge letter which i have done now they say it will be next…
-
Credit File and Default Help
Hi all, just looking for some advice. I left the UK and I went travelling back in 2011, came back and then left again. I stupidly just ignored all my credit accounts. I've just checked my credit file and I have three bank accounts in good standing order, one with a £1500 overdraft (not used). These all seem okay and…
-
Same Debt reported twice
Is this correct? When I look at my credit file it shows two defaulted (now satisfied) accounts One from MBNA and one from Aktiv Kapital Both show same start date and same default date, both however show differing opening balances and account numbers MBNA shows DA but what do people searching it see? Do they see two…