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Unrecognised old debt on credit file.
Heya guys, I just checked my credit record on Noddle and I have seen an old debt for £14 from a company called Arrow Global in default since August 2011 registered to an old address. I looked up the company and they seem to be a debt purchasing company that has represented the telecoms sector. The only possible thing this…
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Damage to Credit File
Hello, I was looking for opinion on 2 defaults that have been entered onto my credit file which is affecting my ability to get credit. The first is by Vodafone. This occurred when, where I lived, the local mast became faulty and we lost coverage for almost a month. I argued with Vodafone that they had broken my contract by…
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Equifax Website Problem?
Hi all, I'm a regular user of Equifax and i can't seem to load the website fully, It doesn't load the yellow login button at the top right and its terribly slow, Is anyone else having this issue? I'm trying to determine if its just me.
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Credit Score - Applying for a bank account
Hi all, I currently have an Experian credit score of 827 (Fair). Im looking to open a Santander 123 Account. I don't want to apply if I'm going to get rejected. What do you think the chances of my application being accepted are? Kind Regards Roger
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Some advise please... Feeling confused
Hi all, this is my first ever post so hope Im putting it in the right place. I've buried my head to some horrific debts for the past 4 or more years after moving home and receiving no letters. Now it's time to sort them. Have been trying to confirm everything I owe but it's a minefield. Did the searches on the main 3…
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Incorrect CCJ from Yorkshire Water
Hi all, Yorkshire Water have given my partner and I a ccj for an unpaid bill at an address we have never lived at! Obviously having never lived at the property we had no warning of this and only found out when a FA was looking at a mortgage for us. We contacted Yorkshire water and after the usual merry go round of speaking…
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Please help my Landlord!
I have a house share with my landlord. I have an appalling credit rating but his is spotless. He has recently been turned down for an AmEx card linked to Costco and I think it is because I also have a card via his business. Please can you tell me how he can declare himself financially independent from me? Thanks in advance…
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Credit Improve? After Default Expires?
Hi A default on my husbands account will reach six years on 28th april this year, (and one year from being paid in full) will it disapear from his file then its the only thing thats wrong on his account thanks
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Credit Score - Repayment Assesment
I have a credit report with Equifax and my recent repayment assessment has been labelled as poor. I have three credit cards, two of which are clear and have been for at least 6 months and one credit card that i pay over the minimum repayment amount each month. I have never missed a payment for any credit card, direct debit…
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Credit Rating Problem?
Hello everybody from a first time poster! Hopefully there will be an easy answer to this, because I am new to credit and need to learn my way. I was recently declined for an overdraft facility. It didn't upset me because I did not particularly need the facility (I'm not in debt and I have several savings accounts). But it…
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Default Removal
Hi Everyone, I had a loan from 2006 which I defaulted on in 2010, the debt has been sold to a debt collection agency who are now pursuing. I have sent a subject access request requesting the original default notice, the intention to file a default against me (both of which I dispute receiving from the original creditor)…
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low credit score - paid off balance on catalogue account question
My credit score and eating is low, I need it improved. I have just paid off my balance on my littlewoods catalogue account. Will it help my credit score to leave the account open, with a zero balance? Or is it better to close the account? Or will neither help? Thanks
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Paying off old debt
Hello all, I had a couple of old defaults that "fell off" my credit report after the six years. I thought I had paid them all off, but recently I received a letter from CCS collect saying that I still owe £497 to Cabot financial. This debt has fallen off my report as it was well over 6 years ago (more like 8). I have a…
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2 differing credit ratings & making a dispute
Hi there, I recently got my first credit card a few months and was interested in seeing how this effected my rating (before hand, I'd never really had credit past mobile phones and was always in the middle). So, I checked Noddle first, and Noddle has me at "terrible" 1/5 and states my chance at getting credit is…
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Bank closing accounts
A friend of mine recently received notification from one of his banks that his accounts were to be closed in 60 days due to some recent risk assessment. It seems that they picked up on the fact that he had been (legitimately) transferring some of his money to and from 2 of his current accounts in order to exploit the…
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defaults on file but dated 2010 then nothing???
I have had a debt management plan since 2009. My file shows where they took over and my accounts went into defaults. But then there is nothing no up to date boxes. The defaults are dated 2009 and 2010.just a few boxes then blank. Does this mean i am now currently not defaulting??( I have never missed payments to my dmp).…
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Joint account with my partner with no credit history
Hi all, Have a question that I can't find answered anywhere else. (although I'm sure its been asked before!) I'm looking at opening a Nationwide Flex Plus packaged bank account and was thinking of opening it as a joint account with my partner, so we can both get the account benefits. We are not financially linked at the…
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Does this matter?
On my record for my Current account (first direct) i have an orange 1 from August 2011. I am sure this relates to me busting my OD for about £50. All of my other records for CC, Loans, Utilities etc are all green. Does this matter? Should i speak to first direct and ask them to consider removing it? (i do not dispute that…
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paying off old debts
Hi everyone I have recently been brave enough to look at my credit file. It's really not good, in fact, its abysmal. I paid off £30k in debt by way of a DAS about 2 years ago now and knew because of this my credit rating would be awful. Anyway there are a couple of mail order accounts which have defaulted from about 3…
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U or AP
We have a client that is showing arrangement to pay (AP) on some accounts on his Equifax File, but is listed as unable to provide a statement (U) on Experian for the same accounts. Could our Equifax or Equifax representatives please help me by explaining how this can happen?