-
Bailiffs for Previous Owner and Credit Score
I've been receiving bailiff letters for the previous owner of my property and was wondering if this would impact in any way on my credit score? It appears that his car is still registered to my address, and as I have been returning all post to sender he has not received or paid for a parking ticket/congestion charge fee…
-
Incorrect late payment worth contesting?
Hi, I have just checked my credit report and noticed a late payment on there from 2011. It was caused by me paying off a HP agreement early (in full) so i could return the car prior to moving abroad but BMW tried to collect a dd payment after full settlement had been agreed and after I had cancelled the dd So in…
-
satisfied default loan options and 6 years almost up
Hi all, I have searched the net coming up with a MSE page that im not allowed to link to but it pretty much answers my question, I just wondered about this 6 year default thing? I take it the default is registered for 6 years from the date of adding and not from the date of satifying the debt? What happens when that time…
-
Understanding linked addresses
Just trying to understand how linked addresses work. When a lender carries out a search, are reports created for each linked address? i.e. if some accounts were settled while you were at first address. Or, are all existing/previous accounts aggregated and show in a single search at your current address only.
-
Best way to correct flat number / finding where wrong one came from?
I just moved and an incorrect flat number has shown up on my equifax report. What's the best way to fix it? Post / Email / phone / web? Are there any magic words I need to use for it to get through to the right department / make them do the right thing? I guess I'll likely have to do the same with all three. Will they tell…
-
Default removal for a 18 year old
Hi guys, My friends just turned 18 on 20th may, checked his credit file and there's a mobile phone default but he did not take the contract out. Contract said it started circa. 2011 clearly when he was under 18. How should he go about getting this removed?
-
Defaults/"Bad Credit" Credit Cards
Hi all, I am almost 23yo with 2 defaults on my credit report, one which says it will be reported until September 2016 with both Callcredit and Equifax, and another which says September 2016 with Callcredit and July 2017 with Equifax. Does this mean that I will have to wait until July 2017 to have good credit again? Or…
-
How long will it take to improve credit rating?
Hi all, I want to get a car on finance, all I have on my credit file is a mortgage and mobile phone (both up to date with no missed payments), so I have taken out a credit card to boost my rating. How many months will this take if I pay the balance every month?
-
credit report jargon
Difference between missed payment, late payment and default payment.
-
what happens after a default?
Hi, I have a default from dec 2010 that im currently on a dmp paying off. Nothing has been added to the information on that account on my credit file since then. If for example im still paying my dmp in 2016 when the default drops off what happens? Im trying to negotiate a full and final settlement at the moment so…
-
Default on Credit Report
Hi I was wondering if anyone could help? I was on a dmp and then went onto a protected trust deed (Scotland) and have just looked on Noodle and my accounts are in default since Feb 2012 (which I obviously knew about). My question is does every other month I pay my TD show as a default until I have settled the amounts?…
-
Available credit impact
What impact, if any, does available credit have on your credit file? Over two credit cards and two overdrafts, I have £10900 of very rarely used credit. Is it worth ditching one card and one overdraft?
-
Confused which agency to use?
Hi, Although I try to remember to cancel and close credit card accounts once repaid, I am not 100% certain that I always have in the past. Is there an easy way to find out what credit is still open in my name? I took a quick look at Experian but the reviews of this company and their 'free trial' (reviewcentre.com) has put…
-
Which credit agency?
Hi there, Just a quick one, does anyone know which credit reference agency or agencies Natwest use? They hold our current joint account, savings account and the children's trust accounts. We need to apply for a mortgage but have been advised that because I have 1 default on my file (from 2010), I have two choices, apply…
-
Default date on credit file wrong
Hi there. This is my first post and a little advice is needed. In 2005 I had a Barclays loan which I got into financial difficulty with. I have since repaid the loan in full and recently got a copy of my creditfile from Experian. I noticed that a default has been registered in 2011 even though I have a letter from them…
-
Credit Expert
Iv noticed that Lloyds loans are not showing up on either mine or the wifes account. Anyone else having this problem. THANKS
-
Mortgage application credit check
Deleted...
-
Can someone help me understand?
Hiya, noob here so go easy! :) I'm wondering if someone can please help me understand why I always have such a hard time getting accepted for credit. I have a default on my credit file from 2009, it was for ~£170, and has since been paid in full. This was a time when I was in financial difficulty and out of work. Stupidly,…
-
Noddle/Callcredit CRA
I am registered for Noddle, my most recent monthly report was on the 20th of this month. I noticed upon signing in yesterday that my report updated again and today it has done it again. Has anyone else had theirs update outside their monthly one?
-
Credit rating sites
I was watching Martin this evening advising on how to check your credit rating. He suggested noddle for reiewing the callcredit credit rating free. I went to the site, but as part of the registration you have to provide details of a credit card including the number expiry code AND the security code. It did not even look as…
