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My credit file... Pay day loans and mortgage advice?
Hi there I am new to this website and have never posted on here before. I was after some advice if possible? I am 26 and earning £23,000. I am living with my family and the plan is that I am saving for a deposit so that I can get my own place. Here's the advice part... I have basically in the past lived beyond my means and…
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Default on credit file for disputed Vodafone bill
Hi, About a year ago I found that Vodafone had been overcharging me for some months, I paid by direct debit so under the direct debit guarantee I received a refund. I then had some bills from Vodafone and went through the full complaints process. I sought some advice online and I was then in contact with a special team to…
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If we add me to British Gas account..
Hi all, Our British Gas accounts for both gas and electricity are solely in my husbands name -have been for ages. It's never caused any issues but I've just started my own business and am working from home, and as I'll be claiming a small percentage of energy bills as an expense, it makes sense to have my name on the…
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Mobile Contract
Hi everyone, Not sure if this is in the right thread, sorry if not! Basically I took out a new contract with Tesco Mobile in circa May this year, I got quite an expensive handset, iPhone 5s 32G, the cost of which was £25 pcm towards the handset and £25pcm for my plan totalling £50 pcm which was fine. Back in August, I was…
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Usual time length for CRA to update files
Hey all Just wondered if anyone knew how long the CRA'S took to update the credit files after the lenders have submitted the information? Reason for asking is I cleared my barclaycard back on 15th October in full. Have not used it since intentionally. Anyway check my file today to see it has still NOT been updated. Sent a…
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Last default gone and still rubbish credit rating :(
As the title says my last default has just dropped off my credit file but I still have a bad credit rating. How can this be? I never miss payments on anything.
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Lowell advice needed
Hi guys looking for advice I have received 3 letters from Lowell for store cards amounts 500 pounds, 800 pounds, 500 pounds! History is I had a baby split with partner and struggling a bit! Looking for advice can I set up a payment plan? Was thinking 10 pounds per month for each, do they need proof of income? Also I'm…
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Which Credit Card balance figure do lenders submit to the Credit File
I have as TSB credit card which I pay off in full every month as soon as I receive the bill. Just looking at my noddle credit file, the figure they use for the "Balance" for each month is neither my statement balance or the month in question. For example on Noddle it says for last 2 months Aug £232 Sep £308 which is…
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What info from search goes on file?
Hi there, Maybe the Experian expert can answer this one? If a person applies for a service and a credit check is done by a lender/phone company, etc to verify his creditworthiness, does the data submitted to carry out the search end up on the customers credit file if it was not on there before? E.g if the customer has just…
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Help! Credit File Disaster!
Hi All, I am hoping someone can point me in the right direction hereas it seems most of the information I get is not accurate or correct for mysituation. As my namesake suggests when I was younger early 20s I gotmyself into a bit of debt, working hardly any hours as a student and not beingable to meet payments I ultimately…
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Equifax Credit Score - Confused
Hi, I have a score of 408 which is labelled "OK". I've never been refused from mortgages or credit, so I am not too worried, but I am confused. I have a grey box which says "Credit Agreements 11". If it was bad it would be red, good and it would be green. Is this number meant to be high or low to get a green box?…
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Challenge default account on credit record
Hi all, I thought this would be a good place to get some advice :) I have recently looked at my experian credit record, it shows a "Delinquent" status of a bank account i had. If anyone could offer any advice on whether this could be challenged I would be very grateful. I opened a student current account with Lloyds TSB in…
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When is a Debt Statute Barred
Hi All, I've been reading some really useful information on here about Statute Barred debts. However, I've not been able to answer my question entirely. It refers to the 'no contact for 6yrs rule'. My partner had a T-mobile account that was started in 03/2006. She had the account for about 2yrs and then stopped paying…
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Experian won't change electoral data. Help!
My partner and I want to buy a house together. My credit score is shiny-shiny, but during the mortgage application we found that his score was low because he wasn't on the electoral register at our current address. He moved in with me in May, and (according to the local electoral board) has been registered since 13th…
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Can I offer an F&F in return for having debt removed from file?
Long story short... Littlewoods account was used fraudulently between 2010 - 2013. Outstanding amount is now £4000, and I've paid off over £1500 spent by someone else. I had severe mental health difficulties at the time, and was just paying by DD. I was also living abroad. Littlewoods have rejected my final complaint,…
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Undelivered Goods / Debt Collectors
Not sure if I am putting this on the right board, but my mum tried buying some waterfall cardigans from one of those magazines that you get in the Sunday papers. Nothing arrived, but the company started ringing my mum demanding payment. My mum explained that she hadn't received anything and during the conversation, it…
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National Hunter and quotations.
Good evening. A quick question - Does National Hunter look at quotations such as insurance? Thanks in advance.
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Credit Agency Email
Hi Guys any advice much appreciated, I had an email today from a credit agency company claiming I owe sky 252 pound or around that. They have my name and old address but when I gave them my date of birth it was different to what they had on the system. As far as I'm aware I owe sky no money and certainly not this amount. I…
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Erudio Student loans. Lower average wage? Childcare salary Sacrifice
I've just received my application for deferment for my Student loan, for the years 97,98,99 and this year I swear the average wage is lower than previous, or its not moved at all. It says if you earn more than £2227.25 gross per month. Also other issues I have with it is that I do part time self employment and the work is…
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Debt Collection Agency posted unknown defaulted debt on my credit recordsed
I was contacted in October by Rowland Way/Hoist Portfolio Holding 2 Ltd about a debt to a mail order company about which I know nothing. I did not respond as I am sure this is just a fishing attempt on a debt they had bought i.e. contacting people with the same or similar name as the debtor. But I have now been alerted…