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Default
Hi , I have recently viewed my credit file and noticed there was a default which i know about but on looking at the default the date was wrong. The account was marked as shortfall due to the mortgage not covering what was owed and the last payment date i think was 2008 / 2009. The default is down as 2011 i thought a…
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CCJ applied on statute barred debt - Lowell Portfolio
Hi there, Any help and advice would be much appreciated. Basically I checked my credit report a few months back and wanted to try and sort it out because my gf and I are planning on buying a house next year. The credit report showed a couple of debts from 2011 which I proceeded to pay over the phone. However, when on the…
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Experian statutory report - no instance access
Equifax and Callcredit offers instant access to the statutory report instantly online. Experian doesn't, as you need to wait for a passcode to be sent by post, which you use to log on to see your report. Why is this? Any chance in the future experian will offer instant access like Equifax and Callcredit?
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Prepaid Mastercards
Are Prepaid Mastercards , reported on your credit file - in order to improve credit ratings? such as cashplus prepaid, The Virgin Prepaid MasterCard, not sure what the point to them over a debit card.
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Declined for loan?
Hello I need to find out if I have been declined for a personal loan in the last 10 years as part of a security check but i cannot remember if I have or not. I have checked my credit report on Noddle and Check My File (which includes Callcredit and Equifax) and neither seems to show if I have applied and/or have been…
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Please advice re ex name possibly linking to my new address?
Hello, so desperate for advice please? Two years ago I left our family home with my two children due to domestic abuse. We lived in a refuge for a few months, then got a house (we were on the homeless list due to abuse from my ex). I unfortunately had to go bankrupt..:-( Long story about starting again. Right now we are…
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Waiting for replies from debt collectors.
Good morning all. I'm after a bit of advice if possible - I believe that creditors have an obligation to reply to dispute within a certain amount of time do they not? If so, how many days is the time frame and what steps can I take if they have failed? The creditor in question is MEM Consumer Finance. Thanks in advance.
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CCJ question
I've been doing a bit of searching around and I've seen conflicting information about how to get a CCJ marked as satisfied. I have one from 2012 which I paid off in full last week. Do I have to get the £15 certificate of satisfaction in order for it to be marked 'satisfied' on my credit report or should that happen…
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Aqua Credit Card - Credit reporting
Hi folks, some advice if you can. I have a credit card with these guys and ended up in some drama with them over an alleged missed payment. End of September I lost my wallet, reported my cards missing and never thought much about it. My payment is taken by DD for the full balance every month. Short story is - Aqua charged…
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Financial Association On Credit File
Quick one - I checked my credit report today and discovered an odd financial association. It's not odd as it is with my wife, but I have the following concerns: 1. The Source is "Moneio (Freestanding)" - I believe they are now Freedom Finance - and neither of us have ever had any business with that company. 2. It's dated…
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2 years debt free and 0 credit
I am having real difficulty obtaining credit even from the vulture lenders. My credit history: around £3,000 in bad debt amounted around 6 + years ago. All paid 2 years ago full time, private tenant 38,000 p/a a few thousand in savings working full time 2+ years Declined lease on car 2 years ago Declined higher rate CC…
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Credit file after bankruptcy
Hi All This my first post here so please be gentle, I have searched the forum but there are so many threads I found it difficult to find the answer. I was made bankrupt in 2009 and was wondering when the order will be removed from my credit file. Is it 6 years from the order or 6 years from discharge. I have recently…
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Electoral Roll
Guys, My girlfriend was refused an M&S credit card and they sent her a letter saying it was because of her credit rating. We thought this to be excellent so we got an experian report to see what the problem was. We've just checked and it claims she is not on the electoral roll, that's the only issue, which I guess in one…
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Identity Fraud Victim
Hi All, Hope someone can help me here as i have looked everywhere for an answer but nobody is helping me. So I have just found out that i have been a victim of identity fraud by one of my family members. They have owned up that it is them who done it and are willing to take the debt on their name. However, i dont know how…
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Effect on credit rating?
Hi just looking for a bit of advice please. We are saving to move house but probably won't be for a year or maybe 2 yet. I am looking to lengthen the term of a personal loan I have so that we can save to move (house currently in negative equity) so we want to put all money we can into moving, my question is because I have…
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Is NODDLE a con ?
I am thinking of checking my credit report - using Noddle but they require me to add my credit/debit card details - before I can use their "free" service - why should I do this - and what is the real reason ? I don't trust them... There must be people without payment cards - what do they do ?
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How to build Credit Rating (First Post!)
Hi folks, It's my first post on this site, so if I've put this in the wrong place - do let me know! Ok, a little bit about me - I'm twenty and will be starting a new medical career in December and will be earning a regular salary. I'll take home around 1100 pounds a month. I was just wondering if anyone had any hints or…
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Credit Rating Question
I have had a default on my credit file for a while now that goes back to a mistake I made when I was young and stupid. Anyway after a while I was tracked down and agreed a settlement plan. My question though is that the account originally defaulted in October 2009 which as far as I am aware means it will be off my credit…
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John Lewis Written Off Store Card
Hi, Apologies if this is in the wrong place. Basically John Lewis messed up my old style account card which was shut down (everyone's) at the end of September. I had a zero balance bit their system said I owed 76 pounds. After much tooling and froing they have said they were wrong and have "written off the debt". My…
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Tesco CC in the wrong over a Missed payment?
Hi all, I've had a Tesco CC for about 3 years. Used the 0% deal for 12 months and paid it off via DD. All good. However, 1 month ago, they offered a 0% balance transfer deal. So I put £1000 on it from a another 0% deal which was about to end and calculated how much I'd need to pay off each month to pay off in full via min…