-
Equifax & Amex
Hi, I recently signed up for ClearScore which I understand uses Equifax. For some reason my Amex charge card just seems to show £0 balance and £0 payments for the whole history of the card compared to my Noddle report which shows correct balances and payments. Does Amex not report balances and payments to Equifax or…
-
Can't even get a sim only contract with a 999 score
Hi all, Could someone give me some insight into this. Vodafone have recently rejected my application to get a 12 month sim only contract. This is the most annoying thing in the world because: I have a 999/999 score. Always repaid my credit cards on time, never missed any payments. The negative on my credit score is: "The…
-
ID fraud, phone contracts and Credit ratings
Long story short, I was a victim of ID fraud late last year - 4 mobile phone contracts obtained with my details on the same day. Resolved now with all phone providers (appalling service from all of them, bar Vodafone who were for once actually very competent). Carphone warehouse was a different matter all together. Ended…
-
i cant get a credit report?
can anyone help me with some advice please, i went online and done a credit check with two separate companies and both came back and said i didn't have enough information or credit to give me a report and suggested that i build it up by getting a mobile phone on contract i tried this and i got declined due to my credit…
-
When will my credit card help?
Hello everyone, I've had a credit card from Vanquis with a limit of £250 for a few months now and I've been using approximately roughly £70-£120 of it every month and paying my balance in full. How long do I need to keep this up for in order for it to help me build a good credit history so I can apply for a better credit…
-
partial vs full settlement and credit rating
Hi all, First post so please be gentle! I wanted so easy advice on settling debts and how it affects credit rating. Long story short, my wife has a debt management plan in place for various debts amounting to about 7k. We recently were approved for a mortgage ( in my name only) and I should have some money left over so…
-
Advice needed to repair credit! (trust deed)
Im into the final year of my protected scottish trust deed. I checked my clearscore credit report and i was 208/700 which i knew i was going to be poor after starting the journey to repair my credit through trust deed. I recently got accepted for a Vanquis creditcard with £500 limit which i spent around £215 and paid it…
-
Creditor missing from Credit Report
Good morning all, One of my creditors is no longer showing on my Noddle file, but is showing on my Clearscore file. They used to definitely appear on my Noddle one when I checked it last, around 6 months ago. The Clearscore one is massively out of date however, it shows old addresses / last updates being 18 months ago etc.…
-
Unfair credit score
So after being rejected for a loan from my bank I registered with both experian & Equifax to find out why. My score came back almost perfect from experian at 977/1000 My score with equifax however is only 342 - due to an electoral role 'issue' despite the fact I have been living at my current address for over 3 years and…
-
Late online refund resulting in negative mark on credit file?
Hi MS Forum members I am writing with regards to an online order blunder with Debenhams. I returned a large order a few days after it was delivered and the multiple items were refunded in dribs and drabs. I didnt make payment to the card as I had credit on the card to cover what I kept. Some items weren't refunded and,…
-
Help me!!
Ok so today I have checked my file with Clear Score.... This is my report: BANK. ACCOUNT. LIMIT. BALANCE lloyds. Credit card. £10,000. £7,860 Lloyds. Current. £1,500. £0 EE 3 My score is 479/700 which I think is good and they appear to aswell, yet I applied for a loan and was declined. I've lived in my house 10 years and…
-
Impact of failing credit check on rental contract?
Hi everyone. Newbie here. I'm a British xpat who will be returning to the U.K. later this month after living and working for 25 years abroad (essentially all my working life so far!) Initially renting a property. Have a contract etc, however, the agency required me to have a credit check before they accepted me. I told…
-
How soon will my credit rating improve
Hello all, Apologies for the in depth post before I start. I'm wondering how long it will take to regain a decent credit rating so that I can apply for a loan. A little background: 5 yrs ago I made agreements with 4 credit card companies and having frozen the interest on the accounts have been paying back small monthly…
-
Debt Relief Order about to end. Now what?
Hi all, I have a DRO which ends today. Can anyone tell me what to expect now. Do I get a letter to confirm all my debts gone from the Insolvency Register?? Is there any way these debts can come back? I'm just a bit worried I will still owe them money. My circumstances could change if I move in with my girlfriend and I'll…
-
Need some advice with rebuilding my file
New to the forum I’m looking for a little help. I have a plan to obtain a good credit rating within the next 2 years so I can stand myself in good stead to getting a decent mortgage deal as and when I’m 40. I have very little credit history and what I do have is very poor. Mainly down to a default 4 years ago with a bank…
-
Civil enforcement ltd. CCJ
Urgent advice needed please! Recently when applying for a mortgage, we found that my husband had a CCJ. We were advised that if we could settle the debt, the mortgage would be accepted. On contacting Northampton CCMCC we were given the number for the claimants solicitors. They informed me they no longer deal with this…
-
First utility credit search
Hi, this may be the wrong place to ask but I'm not sure of where's best. Anyway was wondering if anybody has had any dealings with first utility and had any problems with their credit searches. I am moving next week and wanted to sort out my gas and electricity. I stupidly applied online and of course gave my new address.…
-
Is it too late to a build credit file?
My wife has never had any credit and therefore has no information in her credit report. Never had phone contract / loan / bills / mortgage, they have all been in my name. Our house sold and we are looking to apply for a joint mortgage quite soon, (possibly even within a week if we like a house) Is their any short term fix…
-
noddle not working
"We've been continuing to monitor your credit report and are pleased to let you know that over the past month there were no key changes. This means that during the past month we detected no new accounts were added, certain changes to existing accounts didn't occur nor was any public record information added to your file."…
-
£2 Equifax Report
Is it still possible to get one? I logged into my old account and they're offering everything but the bog standard £2 report - I don't want to pay £10 a month, just a spot check is good. I have Clearscore but there's lots missing