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Search on file I don't recognise
Who are Creditsafe Uk Limited Creditsafe (Cr7 Asal) Api? They've searched my file on the 1st for address verification.
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Renting a property- late payment on credit card
Does anyone have experience of whether or not a credit check would fail with a letting agency if there is a late payment on your credit file? I accidentally paid a bill late in the summer and I may need to apply for a new place to rent in 6 months time
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Why poor credit rating?
Hi all New to this forum malarkey so please bear with me if I don't provide the correct info. I went to check my credit rating yesterday with Credit Expert, and although I wasn't expecting it to be brilliant, I was expecting more than 570 :o I have five credit cards - £0 + £0 + £1650 + £3800 + £6200. Total £11650 The total…
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Credit history- pay day loans
How long does your history with pay day loans stay on your credit history? How long will it affect our chances of a mortgage?
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wescott/micro credit & credit rating
Hi Ive been in a debt management plan for a couple of years, i currently owe around 1800 to my creditors and have not missed a payment in over 24 months. last time i checked my credit rating was in January and it was around 770 - so not great but not terrible either, however ive just noticed one creditor (micro…
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How long to set aside a ccj?
I have read a bit on this since discovering a ccj on file which I had no knowledge of as it is registered against an address moved out of 3 years before the court case, hence I knew nothing until now. I think I have a case to get it set aside (many reasons) but my question is how long is it likely to take to do? Have…
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Orange/EE Credit file issue
Hi, So this is a rather long story, but I am hoping that someone might have some advice for us on this. My partner had a mobile phone on an Orange contract - and in November of last year, had that phone stolen on a night out. She phoned the next morning to report it as stolen (and was told no additional charges had been…
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Address problems affect credit?
[Apologies for the length, it took a little time to explain!] Ok, hopefully you guys will be better at understanding this than the credit agencies I've been on to...I'm planning on applying for a mortgage soon, so been doing the usual pre-checks to head off problems, and think I may have discovered one... Basically, there…
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Help tidying Credit Report
Hi all, Just wanted some advise/ideas of how to clean up my credit report. I feel I have too many cards, surplus to requirement and want to reduce the amount of credit available to me. Here is a list of my current cards, balances and APR: Halifax CC (My Bank) £1000 Limit, 21% APR, £0 Balance Bank of Scotland CC £2000…
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mortgage quotation help
is a" mortgage quotation" have negative impact on your experian credit rating
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Anyone else unable to get £2 experian report?
I have been trying for three days now to get the £2 report. Everytime I go through the first few pages of it taking my details then I get:- Service unavailable! The server is temporarily unable to service your request due to maintenance downtime or capacity problems. Please try again later. If you think this is a server…
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How does he better his credit rating?
Hi everyone, My friend has asked me to help him as he wants to apply for a mortgage for his first home. He has one late payment in april 2014 against his credit file for a catalogue company (studio?) - because his partner didn't pay on time and one late payment in jan 2013 - again the studio catalogue company. He got so…
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thinking of changing bank accounts
Hi Im thinking of changing banks with my current account from santander to nationwide but unsure what to do i have no problem with santander but i have savings with nationwide and they keep asking me to come in and have a review and to change my current account to them, i had a mortgage with nationwide i have sold my house…
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Credit rating / Bank account issues
Hi, I am having some issues which I need some urgent help with so I appreciate you all reading this. I am moving in with my partner and we decided to set up a joint account for bills, separate current accounts and a savings account. We went to the local TSB and were both declined for any kind of account. My partner was…
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Help with Arrow Global false default
Hi MSE forums, I need some help. I am currently in the process of setting up a new ltd company and I am now at the stage where I need a business bank account so before applying I wanted to check my credit report as I don't use any credit facilities what so ever and haven't done for 10+ years. When I opened my report…
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£34 Default with Hutchison 3G, only just noticed it.
Hi all, I have been working very hard to get my credit file up to a good standard for years now and I have only ever checked my file with Experian. I have an outstanding CCJ which is due to expire in November this year and I thought this was the only negative thing left on my file. But... lastnight I decided to open a…
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Letting guarantor
My son is a student wanting to let a 2 bed flat with an employed co-tenant. The letting agency want a Guarantor. OK so far, but I am *very* concerned about the amount and type of information that I am being asked to provide: So far I have sent a photocopy of my passport and completed a guarantor form that requests: my…
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Studio 24 catalogue
I've recieved 2 calls from Studio 24 asking me to confirm my address. As I've never heard of them I've declined to give them any info. I initially assumed it was some sort of sales call. Today they called and advised there was an outstanding account and I should check my credit history/rating. Has anyone had a similiar…
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CCJ Help Interesting One
Hi guys did a credit check of my file today and noticed i had a CCJ issued against me on 12/05/2014 but i feel that this debt was Statute Barred on 27/03/2014 interested keep reading Line of events Credit Card Opened: 08/01/2008 Last Payment Or Acknowledgement : 27/03/2008 Default Applied: 02/07/2008 CCJ Granted:…
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Electoral roll and credit rating agencies
Hi, I have joined Noddle's free service and also have recently moved to a new address. While I have updated the address in the records of banks/credit card/HMRC along with electoral roll. The local council has confirmed on phone that I am registered on new address. But they can't send the data until December to CRAs for…