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2 entries on credit report for 1 debt
My hubby and I are looking to apply for a mortgage early 2015. He is currently paying off a debt which occured before we met in 2003. This is due to be fully paid on 01/09/2014. (we appreciate we will need a subprime lender). It defaulted with a credit card company and was passed to a Debt collecting agency. The only thing…
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Default - is it 6 years? (PLEASE HELP)
Below is the information showing a default on my credit file. I'm looking to apply for a mortgage at the end of this year and was wondering if anyone can tell me, is it 30/11/2014 that this will disappear. Its paid in full and the status shows as satisfied but i'm getting more and more panicked. PLEASE HELP Default Date:…
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Building a credit file
Hey all. Some of you know my situation but ill explain and try to make it as uncomplicated as possible. 8 years ago I walked out of a abusive relationship and started a new life, got a lot of abuse, my car was vandalised, I was attacked by my ex in the street, I was hospitalised after getting a screwdriver in the abdomen…
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A little help please!
Hi there, I'm looking to rent a property and my letting agent will need to run a referencing check which will check my credit status - what does this mean as mine is very poor however I don't have any CCJ's, IVA's or Bankruptcy. I also pay rent on my current property on time every month and am in full time work. It's just…
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credit file, how long to update? plus finance question.
Evening all, As some of you know, for long and complex reasons, I have no credit history. Went to open basic bank account and got turned down by RBS (hasn't left a footprint on my file mind). Anyways went into nationwide to open a basic account with them and upon verification and credit check, was approved for flexplus…
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When / whether to settle a debt in full
Hi, I've got a couple of queries regarding an entry on my credit report that I'm hoping someone can help with As a bit of background I got into some financial trouble approx 6 years ago and defaulted on a number of credit cards. I've been making payment ever since and most have now dropped off my credit report due to their…
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Checking Credit File: Where Have my Debts Gone?
Hi all, I am new to the community but have something very strange going on. So first a backstory. I grew up with no financial disipline, from 14 I would work an illegal number of hours whilst in education and in turn, had lots of money with no responsibilities. So when I hit 18 and my addiction for spending went crazy I…
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Student - How To Build Credit History
Hi folks, Starting Uni this September. Being money savvy I'm interested in trying to build up a credit rating. I've currently got several current accounts shifting money with TSB, Nationwide and Lloyds paying 5% and 4% Gross. Would it be worth opening Student Credit Card accounts with TSB / Lloyds / HSBC / Hallifax /…
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Successfully Settled Accounts
Hi there, I was just checking my credit report and I have the following negative factor: "You have no successfully settled credit accounts". I have 3 credit cards. I use 2 of them but pay the balance off in full every single month. If I close the one that I use will this improve my credit score? I have a positive factor:…
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Stolen Identity.
Hello All, Bit of backstory first so please bear with me! I moved house a couple of years ago, and it turns out my credit card issuer had not updated my address. I didn't notice as I get all my statements online. They sent out a new credit card for me when mine expired, but they sent it to my previous address. The person…
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wrong identity
A person with a similar name to me is registered under my name in my credit ratings, he has bad debts, he also has the same birth date as me but he has a different middle name, his bad credit rating have been registered under my name. What do I have to do to remove his name and bad debts from my credit rating details, this…
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Noddle vs Other Agencies
Hi all, I know Noddle is run by CallCredit, but whilst currently pursuing reports from the other agencies, is the Noddle report considered reliable enough to form the basis of a financial application? I ask as I've been able to query and have a few elements removed from my Noddle report, but whilst waiting for the other…
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Do defaults go off and back on again?
Iv been keeping an eye on my credit report for a few months as now in stable employment and want a mortgage in the future Anyway I had a default with Halifax for £2000 from around 2011, iv just checked and it's no longer there? Any reasons why???
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mortgages and bad credit
Hi everyone, First time poster, long time reader! I have a scenario that I would be very grateful for your opinions on. The Background I’m 29 years old and have recently started to consider the prospect of applying for mortgage with my fiancee. We have been living largely rent-free for the past five years in an apartment…
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Can Ebay Effect My Credit File?
I got an email from a debt collection agency who've been trying to track me down due to unpaid ebay fee's from last year, the reason they never got hold of me via letter is I'm no longer at the address my old ebay account was registered at. If I remember correctly the fee's were due to a customer charge back that I…
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Wondering about Experian worth..
I've worked really hard to raise my credit rating with Experian and I was pleased to see it at 970 the other day so I applied, based on the cards they suggested were available, for a rewards type card. And I got refused.. It's the second or third time I get refused a credit card after looking at my credit report and It's…
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Credit Rating
Hi I exceeded my credit card limit on a number of occasions but still paid for ALL purchases at the end of EVERY month in FULL (direct debit). I have an Experian Report that for some reason has NOT recorded the fact that I have a credit card. Does this mean ALL lenders will NOT be able to see my credit card defaults (since…
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Some advice please
Hello, I'm a regular reader of the forums so thought it was about time I signed up! Anyway, I'm looking for advice on how to improve my credit history. I'm currently 18 have managed to open an account with barclaycard, aqua & also a next directory account as well as a tesco mobile sim only contract Barclaycard initial -…
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Call credit OK?
I have just filled out the online form and given my credit card details for a credit report (not a free one) but have not had a confirmation email back from them. Can anyone put my mind at rest please? https://www.callcreditstatreport.co.uk/
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Wrongful Default applied to credit file when payments were made as Normal
Hi I would like some advice please if anybody could help I would be most grateful. I was made redundant in 2012 and fell behind with a payday loan that was eventually pursued by portfolio recovery aka Mackenzie hall debt collectors. In October 2013 I started a payment plan in order to pay this debt back and I have monthly…