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experian credit info and declines
hey guys quick question my experian score is over 700 but im still refused finance on things any explination behind this or am i just being simple?
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Can i sue Barclays for messing up my credit rating
Hi Everyone, I am new to the forum and was wondering if I can get answer to my question. Basically I worked very hard for 5 year and saved some money to apply for Mortgage and once I had decent amount to apply for mortgage and for a house that was in my financial limits (took me a year to find this house). I applied for…
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Equifax how to improve your credit file. Strange but true
HOW TO IMPROVE YOUR CREDIT SCORE ON EQUIFAX AND THE ANSWER IS NOT WHAT YOU WOULD THINK TAKE A LOOK AT THESE SNAP SHOTS 2 WEEKS APART This is a snapshot of your credit report on: 10-12-2014 Reference: 11-EVQESP101214 Score 293 What your Score means to you You have a score of 293. Your score is predictive that you would be…
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I read the sticky first
Yep! I read the sticky first. This credit rating that I don't have because there's no such thing has just downgraded me to a poor risk. I only advised them of a small correction in my favour on their files. I suppose I'm 'asset rich, cash poor' like most of us in later life, and I've taken no credit for anything for the…
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Do I leave it open? Or Cancel? Tesco Card VS Credit Scoring
Hey guys, Just to get you up to speed, I was terrible with money when I was younger and went overdrawn a lot when I had shortfalls before getting paid. I got on top of it really well when I turned 21, and ever since have been almost anal with my banking! I got a HSBC Credit Card 6 months after keeping my accounts in…
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Linked Addresses - Credit Report
Hello I recently signed up to see my credit report and was shocked to see under the heading 'Linked Addresses' that there is an unknown address listed as my address for Birmingham and my actual address is listed as a linked address. I have never had any connections with any persons or business in Birmingham and after…
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default on credit file UK only
3 Credit File Default query UK ONLY please?In November 2008 I was in dispute with Santander over a balance that was owed on my bank account. After several chats with them we came to an arrangement I should pay a proportion of the outstanding balance and they would weaver the rest. However after I made payment Santander…
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Showing as default!
Hi, I am new on this so will try my best to explain. I took out a debt relief order back in 2011. All the creditors that was included with the DRO has shown up on my credit report as settled execpt for 3. The 3 that still show up as default was included in the DRO and have multiple accounts with the same lenders but only…
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Old payday loans
Hi all First time here on the money saving forum - in fact first time on a forum altogether! Ok, a bit of background about me. I'm 25 and have recently started saving with a nationwide save for a mortgage deposit isa in the hope of being able to get a mortgage in about three years time. I have recently paid back all my…
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Experian passkey
According to the Experian website, the passkey will arrive within 5 working days for the £2 Statutory Credit Report. Anybody got it earlier than this? Anybody got declined this request despite providing the forrect info online?
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CCJ set aside
Hello everyone, back in 2013 i was taken to court by national grid for going through a gas pipe whilst gardening the gas pipe was only about 9" deep, anyway i was contesting the claim with national grid saying that the pipe should of been lower in the ground but they were saying that i was a contractor and should of got…
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Best order to improve my credit file?
I am hoping to improve my rating for better credit card rates and possibly a car loan (need car for work--if old car gets very expensive, something newer could work out cheaper). Please can anyone advise? Here are the details :- Good news: mortgage and current account up to date and at last now I have enough overtime and I…
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Real Time CAIS information.
I was just wondering in this day and age. Why? Do lenders not share realtime (or more regular updates) with credit reference agencies.
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repay a euro mortgage?
We have a mortgage with the leeds building society which has to be paid each month in euros. This has been no problem when it comes to paying the 129euro each month. But next year the capital of 122.000 euro has to be paid back. The leeds won't accept it as sterling only euro, our bank want £5000 to make the exchange and…
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Employer name change - National Hunter "inconsistency"
Hi, I just read about the National Hunter Agency, and got a bit curious. In January my employer will change it's name from "Company Ltd" to "Corporate Ltd". If I apply for credit in February saying that I've been working at "Corporate Ltd" for 12months that will probably result in an "inconsistency" mark on my National…
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Returning to the UK after 9 years
I am a British Citizen though a native Aussie. Living in the UK from 2001 through until 2009 I managed to develop a bit of a poor credit rating/history. I left with a mortgage and a number of defaulted accounts though continued paying off all my debt until I sold my flat in early 2013. All debt besides mortgage was paid…
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No CCA, no default
Morning all, I recall reading recently that a judge had ruled that if there was no valid CCA then a default could not legally be added to your credit file. Does anyone have any more info as for the life of me I now can't find the relevant article. Many thanks
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Removing old owners link to house
Just bought a house from a couple who struggled financially, and am worried their names, or their grown up childrens names may affect our new address in some way financially, or is that not possible? Last thing I was is one of them applying for credit, or owing money and it marking against my new home Any advice greatly…
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Steps to take before going for a mortgage
I'm 21 years old, and for the last 3 years I have been savings to get a mortgage, now I can have the remainder of the 60% deposit in the next 18-24 months, since 18 I have been systematically acquiring credit, low amounts, high amounts, repaying minimum payments, up to around 10x the minimum payment each month, but never…
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Paying off debts which are currently under a DMP
Hi all I have a number of debts (4) which total about £18,000 currently under a DMP, which has been paid since it was set up for about 3.5 years. Have to say the DMP was the right thing to do for me back then and has worked very well for everyone I think. So, the question now is this. I am in the fortunate position to be…