-
Equifax score and getting a mortgage
Hi had my issues in the past but all in the clear now. However I had two late payment marks on Experian from 2 years ago from an utility company. Had a serous excuse to be late and is been settled. Is not a default is just markers showing 4 late payments than 6 late payments. But equyifax score shows as 337 poor whilst…
-
Can I get a default removed?
Hi all, I'm very new to this site so bare with me, sorry if I've posted this in the wrong thread. I had a default issued with Virgin Media from an account setup in my ex partners house for my kids in my name. To cut a long story short my ex who agreed to pay the bill hadn't been keeping up with the payments which led to…
-
Marlin shown as a default on credit file
My wife has a default shown on her credit file for a bad debt that went into an IVA. The creditor then sold the debt off and it was first dealt with by NRAM before being taken over by Marlin (who I believe may now be the same company). Ok the IVA completed in December 2012 and the IVA file was completed and closed in May…
-
Date mismatch on credit reports for Administration Order
Hello All, Wondering if someone can give me some advise about my credit report and the way that the Administration Order (Like an IVA but for debts less than £5,000 through the CC) I have is shown. An administration order was issued by Northampton County Court on 4 Sep 2008. This was then showing on all 3 credit files as…
-
Default on credit report from when I was 14 years old
Just done a credit check as I was refused a Dorothy perkins store card. Looking back in 2008, when i was 14 I have a default on my account with express gifts. I don't recall buying anything and the original balance was only £25. Where do I stand with this? Surely a child cannot cause a default? Do i contact the company, or…
-
Everyday Loans on my credit file
I have received my £2 credit report from Equifax and under Associate Information it shows my wife names and a source Everyday Loans Ltd. This information was last updated and created on 10/11/2007 on my credit file . On my wife's credit report from Equifax it shows my name and again Everyday Loans, again with the same…
-
Quickquid changing default date.
Hello all If anybody is able to offer any advice on this I would really appreciate it. In March of this year I defaulted on a Quickquid loan, and the date in March showed on my credit file. However, I went on to pay off the debt in full at the beginning of July and Quickquid have gone on to change the default date of this…
-
Interest free monthly instalment payment
I’m hoping someone can give me some advice on this. If I was to purchase an item from an online store in three monthly instalments with no interest, and successfully make all three payments, is this going to negatively affect my credit score? If so, does anyone know to what degree this would be and how long would it stay…
-
Old debt
Help! I have received a letter from a debt collection company called Cabot finance - they say I owe £1227 for a Barclaycard I defaulted on in 1995! They say they took over the debt in 1999. I did query why it has taken them 15 years to contact me - they had no explanation for it. I don't recall ever having a Barclaycard. I…
-
Help With Moorcroft debt recovery
hi guys hopefully this is posted correctly, I really need your input A few months ago I applied for credit and was unexpectedly refused, I requested a copy of my credit file and Moorcroft had two separate listed entries (in default) for student loans totalling just under £500. and had been on there for almost two years…
-
Studio 24 / Express Gifts Ltd - Fraud/Scam?
Afternoon all, On Wednesday this week I received a 32 inch flat screen TV through the post. The address label on the front had my correct address and full name including my middle name, which is interesting as I don't often refer to my middle name, but it does appear on my credit card. Initially I thought it was a gift as…
-
British Gas late payments HELP!!!
Im new on here so thought id say hi! I need some help!!!! So basically me and my boyfriend have been refused a mortgage because of 2 late payments on my credit file from British Gas .. this is what has happened ... In 2011 I moved into a flat and had my gas and electric with British Gas, I always made my payments on time…
-
Credit "score"
Anyone who reads this board knows there is no such thing. Nonetheless, amused by my wild variance between a 1/5 Noddle score vs 976/1000 Experian score, seemingly on similar data. Just goes to show, the scores are not worth a bean.
-
Credit file - Old address fraud??
Hi Just got my Equifax report and it states that I was registered on the electoral roll at a previous address in 2009 when I had moved out in 2006. I have a feeling there may be some fraud involved here - really wish I had checked my credit report before! Someone else using my name (but a different date of birth) opened a…
-
CCJ previous addresses
I have recently returned from working abroad for 1 year. My post was held at a relatives during this time. I have received a letter informing me that a CCJ has been logged against me in my absence for a debt which was paid off. I have informed them of this but letters keep arriving. What is a CCJ and what will happen next?
-
Noddle score 5/5
Hello , I am a new member on this forum. I would like to know if anyone has used noddle to check thier credit scores?. My previous score was 3/5 and within 6 months it has changed to 5/5. I am a bit shocked as i made few credit applications in June so how has my score increased? I applied for Halifax credit card just to…
-
electoral roll
I recently re-registered on the electoral roll using the online application. A nice chap at the local council told me I would go onto the electoral roll on the 1st August (I applied near the end of June) However I have just got a copy of my credit report and it says I am still not on the electoral roll. When will it show…
-
British Gas - Grrr
Hello! I owned a property which had tenants until last December when they left. The house remained empty until I found a buyer for it, and the sale completed in June. As I lived a long distance away from the property I left all of the paperwork etc to a local letting agency. I have applied for a mortgage recently and have…
-
Court papers for parking ticket.
I received a parking ticket in March 2013 which was issued by a private parking company on a university car park which i was attending at the time. I received the ticket due to parking outside of a bay. After reading numerous forums everyone advised not to pay the ticket as the company would not take me to court. However,…
-
Open University (or OUSBA) have ruined my life - can anyone PLEASE HELP
Hello all, I have seen there are some really helpful people on here and I am having a nightmare (hope this is the right forum). Last year I registered for a part time course with the OU and applied for a loan through OUSBA to help fund the course (it was about £450). This meat I had a loan (therefore credit agreement) and…