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What am I doing wrong?
Typical story - back in 2009 I was rather foolish and ended up defaulting on two accounts - I won't go into the reasons why, but it was my own fault. One account was for £345 and the other for £622, so just under £1000 in total. The £345 default will drop off in September this year and the £622 one will drop off in…
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Refused a credit card
Recently applied for a barclaycard & was rejected. Have a noddle account with 4/5 rating. checked eligibility & was 90% likely to get it & they've been sending me letters beseeching me to apply! I think the problem may have been that on the application - via my online banking (as i have current account with them) the form…
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Gothia default
After checking my partners credit report, there was abit of a surprise to have a default from Mail Order Agency from Gothia Limited, the start date was 24/3/21012 and the default date was 6/9/2012. The total amount was for £162... apparently this is from an H&M store card. My partner states this was paid off, although…
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Incorrect Late Payment on Credit Report
Hi, I'm having an ongoing problem with HSBC marking late payments on my credit file. I have a loan with them, and although it is paid through a DMP I have never made a reduced or late payment. I have been paying it for 7 years and for some reason last December HSBC suddenly decided to mark it as DMP and late payment. They…
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When to pay off balance - catalogue account
Quick question cause my brain has shutdown for the night. Am I right in saying that I should wait until I have received my statement before paying off the balance on my catalogue account. Just opened a new Fashion World (JD Williams) catalogue account essentially to be a credit-building account (I cant get/dont want a…
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high credit rating?
Hi guys Bit of an odd one this, but hope one of you knowledgeable types knows more than me! I've just done an experian report, and scored 980 which I understand is a relatively high score. With this information, do I have any bargaining power when applying for a mortgage? Or is it just a case of "you'll get what you'll…
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Cashplus balance is it reported
Hi all, Following on from a previous post, I have a Cat 6 marker on CIFAS from Lloyds which I am disputing. As this will take some months and all of my accounts have been closed, I have obtained the cashplus card which seems pretty good TBH. I am also clearing up my credit report in the event I get the marker removed, or…
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clearscore.com
MSE Insert: Check our Clearscore info and credit score guide for more help. Back to the original post... This is probably not a sensible question, but I have just noticed that clearscore offers free reports. Is there any point in someone asking for a report if they do not use credit, or a credit card? Do you have anything…
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Noddle:
I am currently signed up with credit expert and equifax on the free trials but they are coming to an end soon so thinking of getting rid as they are expensive to keep on, the thing is i do still want some kind of monitoring tool for my credit reports, i have just signed up with noddle as i've heard its free, the trouble i…
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I Can't be identified :-(
Good Afternoon All, I've turned to this website as I'm starting to get fustrated with online credit reference agencies. All I'm trying to do is sign up to a website that will give me a credit score to find out why I can't get credit. I've tired Noodle / Experian/ call credit. Everyone I have checked can't seem to identify…
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Refused Argos store card
Hi. Does anyone know what criteria Argos look for when deciding whether to approve/decline an application for a store card? I was refused but they gave no indication at all as to why not. They just said at this time..... But do try again later and it may be a different result (not in their actual words). I just don't know…
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Joint Bank Account Credit Rating
I have a half decent credit rating (or so i'm told) and my partner does not (it's pretty poor). My partner wants to improve her credit rating (so that one day we may apply for a mortgage) but as you would expect, she is finding that she is being rejected for pretty much any sort of credit. My question is, if i was to add…
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Free v paid credit report
In the process of getting my stat reports from the usual suspects. Also have access to clear score and noddle. Received my stat report from equifax and a ccj I know about was on it but not on clear score or noddle. Clear score use equifax info so surprised ccj was not on it. So do the free scores only show limited info…
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Negative impact.
Hi there, I'm new here so please excuse me if I posted in the wrong section. Basically I was accepted for PCP via arnold clark via a finance company. Now, arnold clark told me I was accepted and I now have the car, but the thing is, it's showing as a negative impact on my score via the finance company who accepted me. Now…
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Electoral roll delay causing issues
I moved house in June & update our details on the electoral roll with the LA. I have existing debt on a credit card which was 0% however the deal ended at the end of July. Before it ended I applied for a Barclaycard which had a 0% deal running with the intention to transfer the balance. I have never been rejected for any…
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Uc?
Hi I had a mobile contract with O2 which ended in 2010 and in Noddle (in Closed Accounts tab), every month is marked as "OK". Except that the last month contains a "UC" next to "OK". I checked details on what UC means... Does this mean that there is a problem? I moved to Vodafone when my contract ended .:wall:
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Credit score drop because if credit card?
Hi, So I'm a little confused as to why my credit score has dropped. I checked it a year ago and it was a great 998 on Experian. I had three credit cards almost maxed and a £20000 loan. Since then I have paid the loan off, and got rid of my HSBC credit card as I never used it. I just checked on noddle as I was thinking…
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Experian Credit Report
I used information given on MSE to get a credit report from Experian, this is to see if I have any claim to misold PPI. I thought ALL my financial transactions would be on the report but that's not the case, there is no mention of any mortgages I have had, how can I get all information of my financial past including…
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Closed Credit Card Accounts on my Credit File
Hello all, On my Experian report, I have 2 credit cards that are showing up as being in the last 12 months despite being closed and fully paid off 4 years ago. The month before they were paid off they were three months in arrears immediately before they were paid off. Is this correct?
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Credit rating query
Hi, i have just applied for a new loan as i have just paid one off. The amount is to clear my credit cards off and finally have one payment rather than having to swap around on cards getting the 0% offers which costs each swap. I have been advised my credit rating has meant a refusal. I have two queries on this. 1/ As i…