How to obtain credit reports

wymondham

I've just got my Experian report and checked the details. I have an old Egg credit card which i cancelled last year - on my report it shows as "settled" - is this correct? - would have though it should be D for dormant ?
anyway useful to have the report - my rating is 999 which i think is ok?

YorkshireBoy

wymondham wrote:

I have an old Egg credit card which i cancelled last year - on my report it shows as "settled" - is this correct?

Yes. 'Settled' means the credit that you had is no longer available to you.

...my rating is 999 which i think is ok?

It's not as good as 1,000.

hurricanewyn

I've checked my report with anuual credit report and my payment history looks pretty bad, because of one account. I was with Nationwide and had a basic account. We got our mortgage with them adn they offered me a new account with a debit card, and overdraft etc so I switched. We moved house and the time and I didn't bother changing the address on the old account because I thought it was closed when I switched accounts. However, I'd forgotten to switch a standing order and so for over a year there were statements going out to my old address with charges going on every month and I ended up over £400 overdrawn on an account with no od limit. They eventually sent a letter to me- it wasn't like I was hard to find with my current acount, credit card and mortgage all at my new address - and I phoned customer services and Nationwide sent a letter to me apologising for all upset and annoyance and refunded all the charges and closed the account. I thought that was the end of the matter, but now this credit report shows it's not. How long do I have to wait for these defaults to leave my history or can I do something about having them removed. Everything else looks fine on my file, but because of this one account I look like I won't pay anything back.

Gemmzie

I have one fairly good credit card (IF life-of balance card @ 4.95% for BT, 0% for balance transfers for 8 months) with a limit of £600

I also have a store card, which is my collegue discount card, with a limit of £250

Will I be okay getting a mobile phone contract or do I need to further improve my credit score? I am currently listed as c/o on my mum's contract which I assume they credit checked me for? (Although there is no footprint on my record).

brendang_2

i signed up this morning about 10am and i am still waiting to see my credit report anyone else waited this long to view their credit report through credit experts free trial

radaas

i have requested from both companies simple £2 ccredit report, this was done on sunday, both have already charged me and still nothing!

Fingers crossed it will come in the thursday morning post.- how long have people waited usually?

YorkshireBoy

radaas wrote:

Fingers crossed it will come in the thursday morning post.- how long have people waited usually?

4 or 5 days (and I've had a few!).

They do say they'll post it within 7 days so, to be fair, I wouldn't start calling them until next Wed/Thurs (with the Bank Holiday coming up).

Saucepot

Is this kosher?

http://www.annualcreditreport.co.uk/#

Sorry I posted before reading, some have already signed up I see.

radaas

got equifax today,
right at the fron it says
client name ;littlewoods finance company"
is that something to do with equifaxit says initial credit application search, i never applied for anything, i did recently have a guy cime roound and give me a little woods catalogue.
did they do a search on me without my permission?

ioscorpio

I signed up with annualcreditreport when it was first advertising it's service,I've now heard from them that my area is coming online from 1st September. Is the service the same as you would get from Experian? Or is there any hidden charges?