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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…
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Lloyds - Date of borrowing submission to Credit File
Hi all - I am starting to get seriously into this credit file boosting - finding it like a game, every time I load that score, I get a little buzz of excitement (will it be up or the same?). My Question though - I have an overdraft with Lloyds, I have a huge overdraft infact (3k) - god knows how as I have banked with them…
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Advice Needed - CCJ
Hi all, First post so apologies if posted in wrong place!! Right, here is the issue! A couple of years ago my wifes best friend of 25 years asked her to be a guarantor on an Amigo loan (yes I know what you are thinking, hindsight and all that!!). Everything was fine for 6 months or so then she started to miss payments and…
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Discrepancies in Credit Reference Agency Scores
Hi All, I'm wondering how accurate the scores on the credit reference agencies are. I've had a pretty ropey credit history in the past (all my own fault) with defaults and a CCJ issued early this year. I did, however, pay every single debt I had off in April - so now everything is showing as satisfied/settled. Basically my…
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Fraud? Payday loan checks on credit report not mine
Just going thru the usual check over of our credit reports and we've found 2 checks from what appear to be pay day loan companies. We've never used or even enquired about payday loans! One of the companies is closed today so cant speak to them. Just spoke tot he other one and they've requested I email in rather than do…
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Advice please!
Hi everyone, I am desperately needing a new car but need some advice. I previously was turned down 3 years ago as I had defaults on my account. As of sept they are paid and cleared after 6 years. I am in a full time stable job taking home £1900 a month. I have been in this job for 5 years. I am also on the electoral roll.…
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Sucess with Lowell
Hi guys, This is a more happy thread in relation to 3 defaults that i had on my account which was taken over by Lowell Lowell Portfolio - £504 Lowell Portfolio - £541 Lowell Portfolio - £816 I phoned up in relation to these accounts today and managed to get all the dates in regards to the account. After they provided all…
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Advice regarding debt settlement (Wonga)
Hi folks. Received a letter today from PRA UK (mackenzie hall!) regarding a debt with Wonga. In said letter they state that they are offering a single payment settlement or a 6 month installment saving plan. BUT they go on to say that if I take up this discounted offer then my credit file will only show as partially…
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Default
Hi All, Bit of advice, have a default from Vanquis from a few years ago 2011 for around £1500, I had just been made redundant and was informed I could freeze the account between the period of finding new employment. I assumed this had happened and didn't receive a default notice just realized when I check my credit file it…
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Will new car insurance affect my credit score?
Hi, my husband and I are planning to apply for a buy-to-let mortgage next month. We are both self-employed with fairly modest incomes (only just over £26k between us) so we're having a bit of trouble getting a good deal... but that's a problem for another forum. My immediate problem is the fact that both my car insurance…