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Experian Updates
Hi All, I recently had a dispute with Tesco Bank on my loan, they showed a late payment on my credit report in November 2014. There was a error on there behalf due to them not updating my direct debit details. They have admitted that this was their mistake and sent off a request to Experian to update. How long does this…
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paying every month but still defaulting?
Hi, I pay monthly amount to MKDP but they still default me every month. I called them and they said this is correct but previous debts would have the green dot every month as you were entered into a payment plan and paying. Is anyone familiar with this. I just feel that to default every month its as if Im not meeting the…
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3 mobile default for £25 payment 1 month late! Mortgage hopes dashed :-(
Checking my experian credit file i noticed a default had been applied in Nov 2014. My file had been excellent up to this point having painstakingly repairing past poor credit history over the last 6 years to enable us to get a mortgage. upon investigation this default was due to a late payment (of only one month - we were…
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Is there a way of checking first?
I have been a member of Credit Expert (Experian) and Equifax for several years. Over the last 5 years or so I have had 3 car loans, 2 credit cards and a mortgage. These were all successful applications, but there were also a few refusals along the way. I have come to realise that all the successful applications that I made…
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CCJ - Immediate Settlement - Effects?
I am in dispute with a "tradesman" - I have paid the majority of the invoice, he threatened the small claims court, I took legal advice, my solicitor wrote to him explaining he has no case under "accord and satisfaction," now he's filed in the Small Claims Court. I have a good case for counter-claim (loss of earnings due…
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CCJ - six years has elapsed
Hi, I regularly check my credit file using Noddle. I have a CCJ - and the judgement date was six years ago today. This CCJ is marked as 'active', as I disputed the amount owed and never made any payments towards it. Does this CCJ still get removed from my credit file six years after the date of judgement, even if it's not…
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Active Loans Missing on Credit Files
Hi all, Hopefully someone can advise. I have been on a DMP for 8 or so years now. It's 70% paid off now. I have noticed that three of my debts which are all with Barclays and in total add up to around 70% of my total debt are not present on Experian or Noodle. These loans are at least 8 years old or older but I have been…
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defaults showing on noddle
2 defaults due to run off soon the first one with ***** runs out on the 11/3/2015 , I think ? it shows a default date of 11/3/2009 little red dots show for all mths (and yrs) right thru from 2009 am I correct? second one is a bit funny , shows a default date of 22/4/09 , but the red markers only start sept 2014 , why are…
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cammyboy
I live 3 months in Spain and 3 in England I hanve an HSBC bank account and credit card and a MBNA card do you think it will be possible for me to qualify for a balance transfer card from anotherprocider
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Thought i got rid of all the negatives!!
Ok so firstly I know that all credit ratings are different and I think I have mainly done what I wanted. So back last September we applied for a mortgage decision in principle and although we were accepted in the end it took ages because my financial affairs were overly complicated. Basically I had too much debt and too…
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Accepted Debit Card... Negative On Experian
Hey! I thought I'd look in to my Credit Score with Experian because I've just moved current accounts from Co-op to First Direct. Firstly, I have two negatives on my account: You have no settled non-mail order credit accounts. The average age of your credit accounts is 23 months. I have two credit cards (one with Barclays…
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Experian / Creation Financial Services Ltd
Hi Just checked my Experian Credit File and Creation Financial Services Ltd has appeared on there with a large Credit limit available :cool: I am a bit bemused as I did not apply for any store cards/credit cards/loans etc with this or any other company. How can this be?
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what do you think my chances are of getting a ccj removed?
long story short. I moved out of a property in October 2011 and I was issued a CCJ from united utilities for £453 on 26th Feb 2012 I have contacted unitied utilities about this and i recieved a reply bt email stating that the amount they issued the ccj for was wrong and it should have been £396 and they have also removed…
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Negative factor on report - after credit cards closed
My credit score was 999. However, my closed credit cards were still showing an 'amount available spending' of over £10k. I wrote to Experian & told the the cards were paid off & closed. They removed that & I am now left with just the £500 overdraft fee of 'amount available spending' on my report. However, my score has…
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moving house impact on credit rating
We are in the process of moving house, mortgage has been approved just waiting for a date. After we have moved we would like to take out a 10k loan for improvements, decorating and maybe pay a small credit card off. I'm wondering how long to leave it before applying for the best chance of being approved. Obviously get…
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Credit Agency Product 'Matching'
I have registered with all 3 agencies and they all seem to be offering product 'matching' services to reduce your chances of a financial rejection. They say they don't leave an imprint and I am keen to see what is available to me based on my current position and financial status. Is this recommended? I don't like…
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Help needed to remove default(£47 overdraft fees)
Hi, I would appreciate if someone can help me to use right letter template to remove default from my credit file. Story: When I checked my Noddle account, I realised that Lloyds issued default on my file in July 2012. That was an account which I was using when I was student and once I started to work, my company requested…
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experian
Hello. On Sunday I logged onto my experian account for the first time after cancelling my subs a few years ago. I have moved house twice since I last lodged in. When I logged in, all of my details remained at the address where I last checked the report. None of my current account / credit card details were shown My credit…
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linked addresses
Hello. I've been checking my experian report and note that in the linked address section my bank has been repeatedly linking my current address with a previous address. I would of course expect this on or around the date that I moved (2011)however I haven't been linked with this address for many years. I have just found…
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not updating address after property purchase - will it cause problems
hello all just wondering if you can help me. have completed on a property purchase however will be doing work on it for a few months and i am also going away for work for around 3-4 weeks. Therefore as I do not want post going to an unoccupied property for 3-4 months, i have not updated my address with my other banks/phone…