help? sky in my name,i owe money but my ex should pay

amyegg2k

ineed wrote: »

This seems to be happening a lot, there was a thread on the credit card forum about certain cards having problems on noddle. Trying again a bit later seems to work for some people.

Edit: not being registered on the electoral role could be the problem.

ok i will try again later...
how do i get registered on the roll then?

ineed

amyegg2k wrote: »

ok i will try again later...
how do i get registered on the roll then?

Here you go, Directgov register online

billinghamfan

Electoral registration takes place on a local basis by each local authority Electoral Registration Officer. The electoral register is updated on a monthly basis, except between August and November when local authorities perform an annual canvass of their area. You can register to vote at any time of the year by contacting your local authority to ask for a registration form. You can find their contact details by visiting www.aboutmyvote.co.uk where you can also download a registration form. If you have recently moved house or changed your name, you will need to re-register to be eligible to vote.

lovinituk

amyegg2k wrote: »

i dont know how to check my credit status? i just know ive never been in debt or owed money so it should have been 100% perfect

Just because you have never been in debt doesn't mean you have a good credit rating. The fact you are not on the electoral roll and the fact you have no evidence of previous well managed borrowing probably means your credit rating is not very good at all. Add to that the default (albeit satisfied) that has been caused by Sky and your other halfs bad credit and I think you will find you will struggle to get a mortgage any time soon.

Tixy

You apply to your local council. If you apply today you will appear on the electoral roll from 1 July 2012. Then it can take anything from a month to over 2months for that to be reflected at the credit reference agencies.

If you were hoping to get a mortgage at some point then not having had any debt will not be sufficent by itself to help you. You need to get on the electoral roll ASAP. And you need to be able to show a history of using and repaying credit on time (no credit history can be as bad as a poor credit history as potential lenders have nothing to judge you against).

amyegg2k

really? i dont know how it works to be honest.. never looked into it until i met my partner who has loads and credit cards so always checkin if his ratings gone up or not.. i just assumed if i have never lent money etc that mine would be spot on.... ive had store cards and paid them off straight away.. had a credit card once..spent about 20quid on it and paid it off and never used one since... i dont like oweing money so thought mine would be ok... nevermind...
i will have ro register for electoral role another time as i ned to print the forms and dont have printer

lovinituk

amyegg2k wrote: »

ive had store cards and paid them off straight away.. had a credit card once..spent about 20quid on it and paid it off and never used one since

That would probably help a little as you have shown you can be responsible with credit. The default (Sky) is a big negative though.

billinghamfan

If you can get a credit card and pay it off at the end of every month then that will help if you just put a small purchase on each month. As long as they can see you managing your credit it will help. But only do this once you have checked your credit report as if it isn't great don't apply searches don't help. all the credit references have tools to show if you are likely to be accepted without damaging your credit rating.

rising_from_the_ashes

billinghamfan wrote: »

If you can get a credit card and pay it off at the end of every month then that will help if you just put a small purchase on each month. As long as they can see you managing your credit it will help. But only do this once you have checked your credit report as if it isn't great don't apply searches don't help. all the credit references have tools to show if you are likely to be accepted without damaging your credit rating.

Totally agree but would add that don't apply for anything until you're on the electoral roll (and are showing this status on your credit report) - usually an automatic rejection if you're not and, as Billinghamfan says, lots of searches aren't good.