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4 x "1's" on credit file! Help
mnomis
Posts: 82 Forumite
in Credit cards
All from Home Shopping Direct.
One relates to an account that was opened as a result of a fraudulant transaction.
Account opened Feb 09, default in March 09, balance now zero after Great Universal cleared it, but the late payment marker still remains.
Three late payment markers on the Littlewoods account that belongs to my wife, which is showing on my credit report.
Opened March. "1's" recorded in April, July and August.
The August one, relates to a payment made 22nd August, due 20th. Wife in hospital having baby, so there's a reason for this one. They've said that if we email them details, they'll look into removing it as a gesture of goodwill.
The April and July ones, she claims she made payments on time, but have yet to verify this.
Now I know why have been turned down for new cards and Vanquis limit not increased. Grrrrr.
What's the chances of getting all four removed?
Any advice and help on these much appreciated.
One relates to an account that was opened as a result of a fraudulant transaction.
Account opened Feb 09, default in March 09, balance now zero after Great Universal cleared it, but the late payment marker still remains.
Three late payment markers on the Littlewoods account that belongs to my wife, which is showing on my credit report.
Opened March. "1's" recorded in April, July and August.
The August one, relates to a payment made 22nd August, due 20th. Wife in hospital having baby, so there's a reason for this one. They've said that if we email them details, they'll look into removing it as a gesture of goodwill.
The April and July ones, she claims she made payments on time, but have yet to verify this.
Now I know why have been turned down for new cards and Vanquis limit not increased. Grrrrr.
What's the chances of getting all four removed?
Any advice and help on these much appreciated.
Capital one £200 - bal nil. Aqua £350 - bal nil
Vanquis limit [STRIKE]£250[/STRIKE] [STRIKE]£750[/STRIKE] £1250 - bal £450. Nat West overdraft limit - £300, unused. JD Willaims limit [STRIKE]£400 [/STRIKE] [STRIKE] £600 [/STRIKE] £900 - bal £90.
Very limit £400 - balance £329 (buy now pay 2011!)
Vanquis limit [STRIKE]£250[/STRIKE] [STRIKE]£750[/STRIKE] £1250 - bal £450. Nat West overdraft limit - £300, unused. JD Willaims limit [STRIKE]£400 [/STRIKE] [STRIKE] £600 [/STRIKE] £900 - bal £90.
Very limit £400 - balance £329 (buy now pay 2011!)
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