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Can you remove a default from a credit report?
In 20012 I left the UK for 2 years. Before leaving I made sure my accounts were up to date and at £0 - however a £1300 overdraft facility was still in place. I thought all DD's were cancelled and asked the bank to cancel my platinum card (which they didn't). When I returned, I went back to Lloyds to get new cards arranged…
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What to do with credit cards and limits
Once cards are completely cleared, what should we do with the cards and limits? Owing to our previous credit debts, we have a lot of available credit which we never intend to use. What's the best way to manage them, reduce the limits but keeps all the cards and use them but pay in full each month? We have a wide range of…
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Credit files and the 6 year default rule
After much letter writing I have finally managed to get all my DMP accounts recorded on Noddle with default dates in 2010 as they should be. I've been through all the usual BARC AP marker nonsense and then Cabot messing about with late defaults. So, late 2016, all my defaults will have been at least 6 years ago. At this…
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Improving my credit file
I'd like to try to improve mine and DH's credit file. Myself and DH have not used credit cards for a number (10+) of years now (after getting into trouble with them). I have signed us both up with Noddle to see our credit files. DH's score was 3/5, and mine 1/5. The only debt we have now is car finance (in my name, always…
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Credit file help
Hey guys, hope this is correct place to post. I started working on my credit file about 2 years ago And as of July I was officially debt free ! I do pay other things which aren't on my credit file, not sure why they aren't there! My question is , I have 3 satisfied defaults, 2 last year and one in July this year. My credit…
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Experian - from 911 to 883 after clearing debt???
my credit score has been 911 (good) for the last few months, while i had 4 x 0% BT credit cards open with about 20k of debt on them, paying monthly a little over the minimum amount by DD. In the last 4 weeks I've cleared all 4 of them completely, and closed them down fully in preperation for applying for a larger mortgage.…
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ID fraud during mortgage application
Hi, I have searched high and low for an answer on this. Hopefully someone will have experience. I am selling a property and was set to exchange contracts last week. My buyer needed to amend their mortgage offer and when they did so uncovered ID fraud on their name. I have been told there is no issue with the buyer and they…
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Paid debt still showing as owed - hoist portfolio
Hi all hope you can help. Paid my last remaining debt off in July, it was owed to hoist but a company called Akinika collected it. 2 months later it was still showing as owed on my credit file, so I called Akinika and they told me their systems show its been paid and it's been reported to hoist who need to remove it. He…
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loan rejected
my mate put in for a loan but was rejected the letter told him to search his credit file which is the best one to use. I know he is not on the electoral roll.
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could this cause a financial association?
I am looking to purchase a flat, for which i will be paying the mortgage and be in my name, however my brother will also be moving in with me. To keep costs lower and equal for both we have an agreement where mortgage will be paid by me and he will be paying the bills and in his name (gas electric water etc), up to the…
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Credit Report Problem
Hi All i have been sorting my credit file out to try and get a mortgage i moved into rented accomidation about 2 months ago and moved my energy supplier with me. Today i have checked my credit score and see that i have went from Top End of Fair to Poor because i have 2 new credit accounts for N-Power and my other 2 credit…
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Changed address and Equifax
Hello. Recently i changed my address from a house to a flat, so my new address start with Flat XXX, NEW ADDRESS. Equifax started to update all my data, but they tracked my Barclays current account and my Barclaycard to the address with the Flat XXX in front. Other banks are showing under Linked Addresses with the new…
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Letter From Rockwell
Hi, I am in the process of trying to sort out my sisters finances. My sister had an accident and has brain damage therefore cannot help herself. Okay, her care home have received a letter from Rockwell relating to a £230 debt owed to Shop Direct. Previously, I had sent a statute barred letter as the debt was years ago, way…
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Credit Damage - Do i have a case
Hi, I recently had a mortgage rejected because of a recent missed payment to NEXT directory. I received an email at 10:44pm to inform me that payment was due that day or I would be charged and creditors informed. I made the payment first thing the following morning. The payment was for eleven pounds, and subsequently this…
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Ccj for no reason
Hi there I received a letter from the court advising that a previous company was chasing me for commission paid to me to be returned(long story) I sent off the court forms back to the claimant advising that I would pay £75 a month to clear the debt. I've now received a letter titled judgment for claimant (accepted) and in…
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help with default on credit rating
please can anyone help I made a agreement with sainsbury's credit card to pay off 70% of the amount owed and end my agreement with them I done these last year but on my credit score it states im defaulting every month I knew it would make a impact but should it show as a default every month thanks:mad:
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Credit rating possibly growing
Hi can anyone confirm if paying off a payday loan in full helps your credit rating along with having a contract phone for 2 years?
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Should I close credit accounts to improve credit file?
Hello I have taken out a loan with Barclays for the exact amount of outstanding debt I currently have. I have paid all of my open credit accounts with the loan. Now the question is should I close all of the accounts? These are the open credit accounts: Very - Have already asked for this to be closed. Barclaycard Capital…
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Someone wants to register their car to my address
I have a friend who does not have a permanent address. Nothing dodgy, its just their choice. However it is causing an issue as they don't know where to register their car to. They have asked me to register at my address. No necessarily insure at my address, just register. Now, I want to help this friend out but don't want…
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Why is there 3 loan claims on my file?
Edit: Why are there 3 claims on my I should've written :o Hi So I applied for 0% financing on a laptop but got refused straight away (don't know why, I have good credit) So I ordered my credit file and on the date and time it has 3 different instances of a loan application. Why is this? Shouldn't it just be one? And would…