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Further Improve Credit Rating for Mortgage?
Quickish background: Went bankrupt in summer 2010, discharged summer 2011, IPAs stopped summer 2013. Have been continually employed for about 5 years and have been on the electoral roll the whole time. I sorted out a few errors on my Equifax/Experian reports about 18 months ago. Have 3 current a/cs (basic one I've always…
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Default on my credit record - 6yrs from date of default or date of satisfaction?
Hi All, I was on a debt management plan through Payplan from around 2005-2011, and during the course of this, one of my creditors (Capital One) issued me with a default notice, even though they accepted the IVA repayments. The default was issued in Jan 2009, and the account was settled and satisfied in Feb 2011. My…
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Bankruptcy Credit Score
I was bankrupt over 6 years ago. This is now off of my credit file. However the defaults are still showing that were included in the bankruptcy... Do i have to wait 6 years since the last default? or should these have come off at the same time as they were in the bankruptcy? Thanks in advance
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Wonga Loan - Incorrect Default
Hi I've never posted on here before but I was wondering if someone could help me... Last year, as a student, I was (stupidly) a user of PDLs - mainly via Wonga. However, I paid back every loan in full and on time, or even early. Never did I miss a payment. I haven't used a PDL for over a year now, so I was horrified…
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Natwest error on Credit file
Hi, Hoping someone on here can help, I had a bank with Natwest about 6 months ago, I decided to move banks to Lloyds and the switch went through really quick and easy (or so I thought!). I checked my credit file on Tuesday night and its saying I have a late payment with Natwest, very confused as I didn't have an over draft…
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Credit building help
Hi there, I am trying to help my brother with improving his credit so he can move forward and eventually get a mortgage to buy his first home. A bit of background - he had been renting a room from a friend for 6years until recently when he moved into a different shared building. In his younger years ( now nearly 30) he…
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Co-Op Bank refuse credit with Excellent rating
I have had an account with Co-Op Bank for many years. I don't use it much, but I now want to bring it into use for a particular project with £1K - £2K flowing in and out each month. I need a credit card, as well as the debit card, and so I applied for one. It was refused on the grounds that Experian supplied an…
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CCJ, Statute Barred and Mediation advice
Hello there I would really like some advice on a old debt of mine. Right here goes, I got a car on finance in October 2006 and paid the repayments for 3 months. On January 6th 2007 my partner at the time borrowed the car and accidentally crashed it. Later on i realised her insurance didn't cover her driving the car. At…
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Can a DCA Give You a Bad Credit Rating
Sounds a silly question I know but for the last few years my credit rating was perfect then suddenly in January it plummeted to really bad! Even though I have money in the bank no debts and haven't missed any payments (nothing really to pay) or borrowed money etc. It seems in January a DCA lowhell decided to say I owe them…
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please help on financial disassociation
Hi everyone, My wife and I shared a joint account since 2012 and live together at the same address. Is that possible to remove the financial association on the credit report, if we close our joint account? many thanks, if anyone can help me on this.
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CCJ satisfied
Can anyone please advise me on how to change my ccj status on my credit file as satisfied. It is all paid off but is still showing as active ...
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HSBC refunded late payment, will it show?
Hi I noticed a Late Payment charge of £12 on my CC and rang up HSBC. Turns out I made two payments on my July statement and effectively nothing on my August one. They said if I had done the second payment six hours later it would have been on my Sept statement, I was just a few hours too early :( They have refunded the…
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Experian and Noddle
Had a look on Noddle and the Experian free trial, Noddle shows 1 out of 5, which I expected, and Experian gave me 913 and a rating of good, just shows what load of old rubbish these numbers are. I wanted to make sure my defaults are reported accurately, Noddle shows a default balance of £4042 outstanding for Bank of…
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Help with Natwest
Hello, sorry to ask for help but I'm not sure what to do. I have just checked my credit report after a long time to find a default registered by Natwest in December for £946. I had a current account with Natwest for a few years and switched to Santander in February last year. I have attached an image of what the credit…
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Obtaining Credit report of a third party
Hi all The circumstances are thus: 1). I'm a landlord where the previous tenant has left owing almost £5,000 in unpaid rent 2). The tenant left without leaving forwarding address 3). I employed services of a tracing agency in order to successfully obtain a new address for tenant 4). I have raised a money claim online and…
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credit score
Hi the previous occupier of my address going back 9 years is still receiving bank statements to my address so Halifax still have this person registered at my address despite me owning the home through a mortgage with halifax. I have sent letters back saying not known at this address and the only way to remove him is by…
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Date Account Drops From Report
I was discharged from a long Trust Deed earlier this year. After I did I got a copy of my credit reports and found that most of my former creditors had incorrect dates. Using a template letter from here I wrote to them asking for them to correct the dates. What the template said was that for insolvency events the Default…
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Default after 8 years?
I took out car finance for around £3000 on 11/09/2005 and paid each month on time up until January/ February 2006 at which point I was fired from my job and could not make any further payment. I did have payment protection but they refused as I had been fired. My last contact with Lloyds/ Black Horse was in around April…
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Orange didnt advise me about default
Hello Everyone Can anyone help me with a default notice issue. I have written to Orange recently advising that they cant default me as they havent given me a notice of defaulting my account. The camE back with this reply: Thank you for your email received by the Executive Office. I have been asked to respond on behalf of…
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Credit File after moving house
Hi there, hopefully someone can help me, im new so please go easy lol! I moved house on 02 July 2014 (mortgage with TSB, excellent, quick service) with no major problems. I pay all my bills on time and have never had any defaults or late payments. My husband is exactly the same. We applied for ahome Improvement loan with…