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Experian "misselling" of ID theft insurance [merged]
http://www.thisismoney.co.uk/money/cardsloans/article-2627599/Experians-6-month-cover-dont-admit-DONT-need.html
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Default finally gone, now what?
Hi all - new to the forum, occasional reader and finally signed up. So, my first question is... A default, the only default, dropped off my credit report on 16/02/15. I'm interested as to how it now works with my rating/score in general. I'm not expecting to go from zero to hero, but am I instantly more likely to be…
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Error in database
Hello The Post Office database contains a spelling error in my address. The address also includes punctuation, which isn't accepted on some forms. I think this might be affecting my credit rating because I have recently been refused credit for one card I am apparently acceptable for, and in other respects my credit report…
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credit searches and enqiurys
I Have recently done a credit search on check my file now searches are coming up from january 2013 and ive read that they only stay on for 12 months so why are they still on???
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Couple of questions on how i appear to lenders.
Hi, i may be looking to remortgage when i reach the end of my fix later this year. So just a couple of questions about how lenders view these points (i know its very difficult to generalise about lenders but am interested to see if there is a consensus view) 1) I have the following credit card limits available to me. 1.…
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Tesco Error Affecting Credit Rating?
Hi All Wondering if I could get some advice from people who have possibly be successful with a query with Tesco affecting their credit file? The long and short of it - plus from what I can remember it was a while ago! I had a mobile phone contract with Tesco in 2012 and cancelled during the 30 day period, I returned the…
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Head out of sand and dealing with the defaults
hi, I have finally got to a point where just want all of the debt gone and feel ready to try to deal with the defaults that have sat on my credit file for what feels like forever but am hoping someone can help with a couple of questions. I have listed below the default info Capital 1 CCard - £3401 defaulted 12/2012…
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Help with Defaults and ccj's
I have 8 accounts with Lowells, all are in default by OC, they closed 3 accounts down when I sent them prove it letters, they are getting a CCJ on another account and I'm making £1 payments on the others. What I want to know is all the open accounts are at some point this year about to drop off my credit report as they are…
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Improve with ANY Direct Debit?
Hi there, I'm currently trying to improve my credit file. I hear a lot about setting up Direct Debits to improve your rating. Could it be for any Direct Debit, i.e if I join the National Trust and pay monthly? Or a charity, or Netflix etc? in other words a fixed amount, not a bill per se. It would be good to know how much…
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The Car Finance company loan not on credit file
I had/have a poor credit score so I had to use TCFC so I could get a car, so I'm paying well over the odds for a car, thats not my issue, I know I'm a risk because of my credit score. If anyone knows the answers to my questions or has any advice for me I'd be very grateful. 1. I've had this agreement for 2 years and it has…
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Default on Credit File Twice
Just checked my credit file (I'm slowly rebuilding a bad credit file) and have seen that Lowell have duplicated a default on my file..same start date, same default date, same original default amount!! I pay money of this default every month and strangely the account that they put on my file two days ago shows that I have…
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defaults
Hi I'm hoping for some advice please. I've recently got a copy of my equifax report as I need to apply for a mortgage. There are several defaults on there which I know nothing about. I believe they were taken out in my name by my ex who I split up with last year after a long period of domestic abuse. Can anyone tell me the…
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Cifas
A friend of mine has been getting a few surprise declines for current accounts recently after normally being accepted with no problems. These came after one bank decided to close his accounts down. He has checked his credit file with CallCredit and Noddle and there are no CIFAS warnings shown. I was just wondering if it is…
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NDR & VERY Debt Recovery for an item not received help?!
Really appreciate anyones help here!! I ordered an iPad quite a while back now back in 2013 from Very. It never arrived and I only got an empty box. I complained to very.co.uk and they would not refund me. I contacted my bank and they suggested I raised a chargeback and I got my money back. I kept getting letters from Very…
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Expat returning to UK after 6 years
Hi, first post - be gentle. I'm an Expat about to move back to the UK. I have not had a UK address for 6 years and the only "credit" I have had in the UK has been a credit card with my UK bank account (although registered to my foreign address). Used the card a few times a month and always paid up. Does anyone know if that…
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not declared default excuse
I applied for a job. I declared my satisfied default in the interview. But I didn't on my application form. They've asked my why I didn't declare it on the application forms.Tbh I rushed the application form so I missed it. What excuse can I give? Without looking incompetent?
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Carcraft finance cancellation?
So I took out car finance in 2012 and I've never missed a payment. I pay a silly amount of £191 for a vauxhall astra 58 model. I end up paying way over the odds which I knew when taking it out so it's my own fault. I was just wondering if there's any way in which you can end the agreement early or hand the car back? I had…
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F&F Showing 6 years from settlement date?!
Hi All, Long time lurker here... My OH was talking to a DCA last night and was in the process of agreeing a full and final figure to pay the balance off. The chap on the phone agreed the figure but with a condition I've not heard of before, the partially satisfied mark will stay on her credit file for 6 years from the…
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Virgin Media - cancel default notice?
Ok... I'm going to try to cut a long story short.. We were virgin media customers until 2012, after which we switched to sky. Upon our leaving they whacked us with a £97 bill, which I could have sworn that we paid in Feb '12. We heard nothing until I received a default notice for £10 this morning (3 whole years later!!). I…
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no credit agreement but on record ?????
Hi I've applied for a job and they did a Credit search on me. It came up with ' 1 public utility account!' 9 months ago which I was in arrears with them for700 pounds. But they don't have further information on this. So they have requested it of me. Yes I was in arrears with EON but this because I was in dispute with the…