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invaild default notice
Hi Bit of an old chestnut. I have had a default applied to my Credit File however it is invalid (ombudsman agrees!!!). The loan has been passed to the banks recoveries department but I do not believe the agreement has been terminated and passed on to a DCA. I have read on a number of sites that if the original loan…
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Credit Rating and maiden name??
I've just done a credit check on Noddle.co.uk as we are going to be applying for a mortgage soon, and I wanted to make sure we were in a good position. We've have an Agreement in Principle, so I don't think there should be a problem. It gave me quite a low rating, which to be honest I was kind of expecting as I've got a…
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Account Has Been In Late Payment For 6 Years
Not sure how best to deal with this situation so any advice appreciated.. About 6 years ago in early 2008 I got into a bit of a mess credit wise, had some defaults etc, lots of missed payments, but in the time since have sorted everything else out, cleared some accounts, defaults mainly cleared... apart from one account.…
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AR (Arrangement to Pay) on credit file
HI I've just done a check myfile credit check after being refused for a mobile phone contract. It says that I have a AR for Littlewoods shop direct on there, because I was on a dmp for a few years. It was all paid off end of 2011. Is there anyway to get this removed off the file? No other lender did this thank goodness.…
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Finding who has your debt
Hi All, So I signed up to Noddle which is essentially Experian but free, I've dropped the link if anyone fancies giving it a try. https://www.noddle.co.uk/ Anyway looking at my finance breakdown I can see the defaults, most I'm aware who owns (debt collection agency) it. I have one from Orange a couple years ago and I'm…
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Unsolicited Searches
I don't have any insurance due for renewal nor have I applied for anything in a while and was surprised to see that my credit file had been searched by quote me happy.com Is this common practice? is this allowed?
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Default on Credit Card
Sorry if this has been posted by anyone else in the past but I'm what I think they call a newbie here. I defaulted on a credit card in Dec 2008 and it was handed to a collection agency. I made arrangements for monthly repayments and was given a settlement figure in August 2009 and cleared the debt. My question is Will my…
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Paying off debt, now what?
Hello all During the past 10 years my financial situation has been a mess due to a divorce, which meant selling the joint house etc. I built up a lot of credit card debt (too embarrassed to say how much) in order to make ends meet. I am remarried, in my forties, and we have been renting. There is no way we would have even…
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Who can write defaults to my credit file?
Hi, Last year I signed up to a company offering basic web space for a nominal fee. I didn't realise that the account would automatically renew and as my card details have changed and their auto - payment failed, they have sold my account to a debt collector. Although the fee is now about five times what I initially paid…
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late payment effect on Help to Buy mortgage
Hi. Posted this in mortgages but didn't get a response, hoping for some help here. My partner and I are hoping to apply for a 5% Help to Buy mortgage (mortgage guarantee option) early next year. We will have our deposit by end of November, and will start looking at properties in January. We are confident about the…
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electrol register
Can my partner who has spouse visa indefinite leave to remain but is from outside the EU get o the electrol register. I know you cant vote unless you get citizenship but what about just getting on the elec register? We cant work out why getting turned down for credit? With perfect credit file never default or ever late…
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Link Financial
Morning all, I've received a letter from Link Financial this morning so had a search through the fourms and it seems they have quite a reputation. Short version of the story is they called me last week via my company's mobile number asking if I used to live at an address that I haven't lived in for nearly 6 years. I…
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Can you remove a default from a credit report?
In 20012 I left the UK for 2 years. Before leaving I made sure my accounts were up to date and at £0 - however a £1300 overdraft facility was still in place. I thought all DD's were cancelled and asked the bank to cancel my platinum card (which they didn't). When I returned, I went back to Lloyds to get new cards arranged…
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What to do with credit cards and limits
Once cards are completely cleared, what should we do with the cards and limits? Owing to our previous credit debts, we have a lot of available credit which we never intend to use. What's the best way to manage them, reduce the limits but keeps all the cards and use them but pay in full each month? We have a wide range of…
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Credit files and the 6 year default rule
After much letter writing I have finally managed to get all my DMP accounts recorded on Noddle with default dates in 2010 as they should be. I've been through all the usual BARC AP marker nonsense and then Cabot messing about with late defaults. So, late 2016, all my defaults will have been at least 6 years ago. At this…
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Improving my credit file
I'd like to try to improve mine and DH's credit file. Myself and DH have not used credit cards for a number (10+) of years now (after getting into trouble with them). I have signed us both up with Noddle to see our credit files. DH's score was 3/5, and mine 1/5. The only debt we have now is car finance (in my name, always…
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Credit file help
Hey guys, hope this is correct place to post. I started working on my credit file about 2 years ago And as of July I was officially debt free ! I do pay other things which aren't on my credit file, not sure why they aren't there! My question is , I have 3 satisfied defaults, 2 last year and one in July this year. My credit…
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Experian - from 911 to 883 after clearing debt???
my credit score has been 911 (good) for the last few months, while i had 4 x 0% BT credit cards open with about 20k of debt on them, paying monthly a little over the minimum amount by DD. In the last 4 weeks I've cleared all 4 of them completely, and closed them down fully in preperation for applying for a larger mortgage.…
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ID fraud during mortgage application
Hi, I have searched high and low for an answer on this. Hopefully someone will have experience. I am selling a property and was set to exchange contracts last week. My buyer needed to amend their mortgage offer and when they did so uncovered ID fraud on their name. I have been told there is no issue with the buyer and they…
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Paid debt still showing as owed - hoist portfolio
Hi all hope you can help. Paid my last remaining debt off in July, it was owed to hoist but a company called Akinika collected it. 2 months later it was still showing as owed on my credit file, so I called Akinika and they told me their systems show its been paid and it's been reported to hoist who need to remove it. He…