-
late payment with studio 24
I bought an item with studio 24. Searched high and low for it for Xmas only to find this crap company had it. So I applied and they accepted so I got the item. Filled out bank details etc etc and waited for the money to leave my account... and wAited... item arrived so presumed they would take money out. I was surprised to…
-
Refused credit with Vodafone but have very good credit score?
Hi everyone, Today my boyfriend went to take out a new Vodafone phone contract, however he was refused credit and Vodafone couldn't say why? He's currently with EE and to cut a long story short, in 2013 hackers took out multiple business accounts out in his name/address and racked up hundreds of pounds on his account. This…
-
EE credit check for Broadband and landline phone
I am moving house and Virgin, my current supplier, who I have been with for more than 20 years do not supply my new address. So I have had to swap to EE for my area fibre optic, Sky do not do it but I am getting the TV from them. Sky just automatically say they are supplying it but EE are doing a credit check. I had been…
-
Removal of account if not UPDATED for 6 years..?
Many years ago, my name was on a joint Halifax account with my ex-partner, with a £1,000 overdraft. I never used the account as I had my own, but I know that is lawfully irrelevant . We entered into an IVA in 2007 (again, nothing to do with me - my debt was less than £1000, his was over £20k..!) - but I was 21, stupid, and…
-
Paying off DFS sofa credit early?
Hi Is it possible to pay off the credit on a sofa my OH got from DFS. I looked on their website but it just says how you can take out credit etc with them. I'd rather pay it all off now so there's nothing owed when we apply for a mortgage. Any help gladly appreciated
-
Poor credit affecting spouse
I have a really poor credit raing and my husbands is excellent. Its something he doesnt know about and that I am trying to put right without him knowing. He has known in the past that I have a poor credit history and for that reason we are not in any way connected, as in we have seperate bank accounts, mortgage etc.…
-
Does checking my credit file affect anything?
As the title says. I need to check my credit file with experian and equifax, but will the fact I checked it be visible to lenders? Or am I safe to do this? I already have a lot of searches in the past 6 months!
-
Help needed - outstanding default won't be removed and CCJ
I signed up to a free credit report service just before Christmas as I have been working to get my finances back on track. I had expected some defaults from when I was 18, I got accepted for a credit card and store card and went crazy. However I noticed a default on my account - British Gas. Wracking my brain as to why - I…
-
Car Finance
I know literally nothing about car finance after only ever owning cars paid for with cash. I am currently driving a Ford Ka. It barely scrapped through it's last MOT (cost me a couple of hundred) and I seriously doubt it'll make it through another one, so I'm thinking of spending a bit extra and getting a newer car.…
-
Identifying source of a CCJ
I just signed up for a credit report from Noddle and there is a CCJ active, dated Oct 2010 for £474. I don't know what this is, the only information on the report is that it was granted in Northampton (nowhere near where I live!). How can I find out the source of the CCJ so I can clear it from my report? Of all the people…
-
Ben's tips for increasing uni student credit scores
Hi all, I recently went to University, and landed myself a well paid grad job. Part of this job is travelling around 2,000 miles per month, so I decided that I would use my mileage payments to pay the finance on a new car. However, the credit application was declined because of me living at university; I had a different…
-
6 year default help
Hello, I'm trying to sort my debts out which I mainly got 5/6 years ago. I am paying them mainly through debt collections and have very nearly paid them off 😁 however I'm also looking into getting a mortgage but that's recently been declined (no surprises there) however I'm comfused about the default status. Is it 6 years…
-
Credit report question
I've just been checking my credit report and have noticed I have the following next to a British Gas: [0] But then the account is showing a balance and doesn't have any settlement date and was last update in 2012. Does this mean that I still owe the balance listed or is the account in credit? Thanks.
-
I wish it was simpler..
"it's a true reflection of your credit history" Well, yes, if you want to disregard that most of it consists of administrative errors... A default with EE that I'm trying to get removed is giving me a headache. The story goes like this: I changed banks, they said all DD/SO would switch automatically. I stupidly believed…
-
Financial Associations!
I'm currently applying for a mortgage (filling it out on Thursday in branch) and I just noticed on Noddle I have financial associations from 2+ years ago due to having 3 of us named on a British Gas account in a house at uni. How likely is this to be an issue? Considering I've had no problems getting credit cards recently.…
-
Equifax Help Please.
Hi there everyone, I have my credit report with Equifax, I moved in May last year and i updated this with Equifax. What i'm querying is i had a default on my report from an address i lived at a few years ago. However when i updated my address with Equifax the default and this address have vanished. I'm now wondering why…
-
Default Date Query
Hi All, I was declared BR on 25 Feb 2011, Discharged Feb 2012, now going through the process of sorting out my credit file. I have one query in relation to a default date I would like an opinion on. When I was declared BR I owned a building plot, this was mortgaged. The plot was in negative equity, so the receiver did not…
-
Five easy ways to wreck your credit history ...
From the Telegraph: http://www.telegraph.co.uk/finance/personalfinance/borrowing/loans/11386775/Five-easy-ways-to-wreck-your-credit-history.html Obvious stuff really, but some good comments. I'd add a few more ways: Get your mobile phone from Orange Get your energy from npower Disclose personal details to your water…
-
Would it show mortagage settled on credit file
Hopefully my mortgage will be paid off this year, will it show has been settled on credit file, cos I have received credit report from Experian and it does not show any details. Thanks in advance
-
Advice on my credit file..
Hi all, I'm just looking for a bit of advice with my credit file. First of all, I'll explain my situation. I have only recently got married, and with a bit of money gifted to us, as well as a further £700/800 a month my wife and I are saving, we are hoping to be in the position to buy a house towards the end of this year.…