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Getting a credit report when you dont have a debit or credit card to register with???
Hi i have recently amended all my debts with the help of a loan from my parents, i have now payed everything off in full and owe no money out at all. now i am debt free i am looking to get my own place again and get started, in the process i thought it a good idea to check my credit report and work on making it better. The…
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Capquest default notice
Hello all, I once took out a loan with the much missed (!) British Credit Trust for a car, which i paid off in the expected time after some 4 years of BCT not processing payments and attempting to charge me for it. The loan paid, i disputed the fanciful amount they suggested i owed thanks to afore mentioned unprocessed…
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Pre paid credit card - credit file
Can anyone assist. I have tried looking on line but cannot find an answer. I am looking to get a pre paid debit card but do not want it to appear on my credit file as either a card or account. I used to have a cash plus account set up for my daughter but in my name and it showed up as a current account on my file. Does…
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Sanji
Hi every one I am new to this please excuse me if I make a mistake Can some one advice please I had a loan with Santander since 2006 have been paying into this account till 2010 and 2011 with a balance of 5600.00. I had put in a claim for PPI compensation I was given an offer of 4047.00 at that time I was also out of a job…
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Equifax credit file problems - fraud?
Hi there I've tried to check for relevant threads. The nearest I can find is this re 'Prove it' letters (am not allowed to post link but thread ID 2607247 I think). Here's my problem. I checked my Equifax file as I need to be looking for a mortgage soon. I have a default marked by Lowell. They have been sold a debt by Next…
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Paying off defaults
Hi guys, I am looking to try and get a bit of advice on paying my default debts. I currently have around £1800 in default debts through 4 different DCA's and 6 accounts. None of them are chasing me vigorously maybe just a few emails here and there and a couple of standard letters through the door. Because of these debts my…
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Moving before applying for Mortgage
I'm currently saving for a mortgage. Looking to save 10% and am probably 7/8 months away from my goal. I'm currently sharing a flat with a 'friend of a friend' who over the past few months has become increasingly odd- and isn't someone who I relish the thought of having to live with much longer. A close friend is moving…
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Mortgages and payday loans
I know that payday loans are some of the worst things you can do generally, but specifically in terms of getting a mortgage! I foolishly took out some a few years back, all have been paid off for almost a year though. They don’t show up on my Experian or my Equifax reports, just on Noddle… does this mean if I apply for a…
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Cannot validate my identity and show credit report?
Hiya, I've never checked any of my credit files before, but I know they are going to be bad! Recently I was declined for a current account, so I've decided to look at my credit files and sit down and work out how to improve things. I thought I'd start with noddle as this is free, and then get the reports from experian etc.…
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Best debt collection company
Not sure whether this is the right place for this thread but I am looking for a recommended debt collection agency. I had a tenant get into arrears in 2011. I managed to get a ccj against her for £1500. She had yet to pay anything and as she moved out I have no idea where she went. Therefore looking to get someone to…
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where has my ccj gone?
I had a ccj against me for a failed mortgage after the breakdown of my relationship a number of years back. I tried finding out how much longer it was on my file for today (via the .gov website) but my report came back "no files found". Does this mean its gone?? I've been trawling the internet for about an hour now but…
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Experian trial - is there a credit search made?
Hello, I am looking to sign up to the free Experian trial but am worried that it will perform a credit search if I sign up to it? Thanks
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Two Credit files???
Anybody know the answer to this? I just checked my credit report at checkmyfile and it has given me all details of accounts held in my married name, but none in my maiden name? It does however show the IVA which was started in my maiden name? Have the accounts in my IVA been consolidated into that information or because it…
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Problem with my phone bill.
Hello everyone. I have a problem that I need a bit of advice on. I have a mobile phone contract with The people's operator. I have been very happy with them so far but in December I needed to change my phone number and the debit card that my direct debit was taken from. I was told that I would have to cancel my old…
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National Hunter Shafting Mortgage Applicants
Interesting article in the Telegraph: http://www.telegraph.co.uk/finance/personalfinance/borrowing/11467480/The-secret-database-blacklisting-borrowers.html Mortgage applicants beware! This unregulated database (guess who runs it :rotfl:) could scupper your chances of acceptance through no fault of your own. Best to file a…
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Financial links on credit score
I'm on Noddle- I know the actual number on credit scores is largely made up, but it is incredibly low (543) and I can't work out why. I have had debt and payday loans in the past, but I have been settled on everything for at least a year (on the payday loans, much longer on everything else) and I've closed down all unused…
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Closing a credit card account impairs a credit report said Experia
I asked them if I cancelled one of my cards with a zero balance it would improve my score, they answered no it might look bad showing I dont need credit! Yet the general concensus is needing credit looks bad.
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Why does a lender search reduce a credit score
Why does applying for credit or a loan thus reduce a persons credit worthiness?!
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On the electoral roll twice
Eek! I'm on the electoral roll twice and probably have been for ages. A while ago I changed my name on the electoral roll to match the name all my accounts are under. For years I've just used the last part of my double barrelled surname but everything has to be in your 'official' name these days so I wanted things to…
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A search decreased my 'credit score' just now, from good to fair
on Experian, by Santander...does this mean they have ruined my chances of getting accepted for credit by anyone else? by rejecting me and also lowering my score from good to fair while doing so by searching me to make their decision