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Vodafone have searched my credit file
HI I've just had a look at my latest credit report and i have noticed that Vodafone have checked my file three times this year. Next to the entry it states 'anti ML' or words to that affect. Why would they do this? I am a long standing customer of Vodafone with no defaults on my account. It concerns me that they carry out…
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can't access credit report
Hi all, I've decided I needed to see my credit report as I need to start getting my life back on track. I first applied via noodle as they are free, however after going through the verification process they said one of the answers I provided were incorrect (I'm fairly sure it wasn't but they currently aren't open for me to…
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Overdraft request rejected - does this affect my Credit Rating
All, As the title suggested I recently attempted to take out an overdraft on my current account and I was refused. Will this impact my credit score negatively? Thanks.
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Bank A/c Numbers on Credit Report
I signed up to CreditScore (well, it's free) and when checking the details of the current accounts, I spotted that the last 4 digits of account number that they display on 3 of the 10 current accounts do not match the actual last 4 digits of my account numbers. Everything else is correct, date account opened, name, address…
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Credit Report Factors
Hi folks Checkmyfile score - 790 Experian Score - 590 Apologies for the long thread - Looked at the experian score and found out the negative attributes. I have no defaults, no ccj's, registered on the electoral roll etc. 1) 11 non mortgage accounts - negative 2) high credit utilization - negative 3) Non mortgage credit -…
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Credit File doesn't include linked addresses/accounts
I recently had cause to check my credit report(s) and I have a question I’d like to ask the forum relating to my rating, which is quite good as it stands, but could maybe be better. I’ve lived in rented accommodation as a private tenant where the utilities, phone line and council tax are all in my name and paid up on time…
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Credit card application rejected...confused!
Hi, I tried to apply for a Halifax credit card on Sunday. Noticed an offer that with Christmas coming up appealed to me. The application came back declined which confused me. I only have one credit card and that's almost paid off. Been at my address for eight years and my job for eleven. Living within my means! I got a…
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United Utilities adverse credit reporting
Hi All, I'm having trouble obtaining a mortgage due to some information on my credit file from U U. I understand that they only started sharing information with the CRA's last year. It all started when I checked my credit report with Equifax last year and I noticed I had a balance with U U of £400. I made contact and…
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Closing Credit Card soon after opening
I applied for 3 credit cards just to build my credit rating 4 months ago. I wanted 1 visa and 1 mastercard. I didn't actually think i was accepted for the 3rd until it came in the post. I want to close one of them as i don't need 3 and have never even used them. I just want them to sit there and build up my history. Does…
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Equifax alerts a scam?
A couple of months ago I took out the free 1 months trial of Equifax credit report. I checked it and everything was fine as expected. No defaults, all credit up to date, no late payments, nothing and my credit score was good ( about 437 according to them). I rang and cancelled my subscription before the trial finished and…
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Late axa insurance payment - has it had an impact on my credit score!?
Hi all, A few weeks ago I cancelled my car insurance with Axa. They mentioned I would have to pay a cancellation fee (around £40) for cancelling my policy early which I paid. I thought that was then the end of it. On Friday I received an answerphone message from Axa asking me to ring them. I assumed it was for some sort of…
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Equifax problem
Hi all On checking my report I noticed that it was showing that I had lived at my current address for 0 years, which is incorrect. I rang them and they told me that it was an error that only affected the display and that if I applied for credit it would come back as 9 years which is the correct term. So I decided to do the…
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Advise Regarding CCJ Needed
Hi Guys! I need a bit of advise. This morning two people came to my door and hand-delivered court papers for a debt that I absolutely forgot I had. They had been writing to a different address number '3' rather than '32'. This is the address they had the CCJ enforced upon. I have no issue with paying the debt - I owe it…
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Dad's mortgage
Hi folks, when being rejected for a mortgage recently I found 2 errors on my credit file. Let's deal with the easiest one first. 12 Years ago my parents took out a mortgage with Nationwide to buy my current house. Unfortunately, my name is similar to my dad's (first and middle named switched around) so his mortgage…
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Letter from Lowell with my name
I have just received a letter from Lowell with my name on it stating that they are attempting to contact this name (my name) but at a different address. If it is me please contact them etc etc, If it isn't me still contact them so they can update their records and not contact me again etc. Normally I wouldn't be so worried…
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Help needed
Hi there newbie alert so sorry if this is in wrong place My credit report is showing a default from Vodafone from a contract I had years ago that was cleared by a Scottish trust deed that I have been released from. The trust deed was completed in September of last year and it's not been deleted from my credit report…
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Unplanned Overdraft
Hello, I accidentally went into an unplanned overdraft by under £10. I paid it off as soon as I realized and the bank have confirmed I won't get any charges because I'm in my buffer. Will this effect/affect my credit rating?
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British Gas Default
hi there, looking for some advice, i moved in with my girlfriend recently, and when going over her credit file, we have noticed 2 x defaults from British Gas, *****i was with edf energy and they never reported to my credit file, ***** I didn't think this could be done, is there any way this can be removed?
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OUSBA Default notice Challenge
Hi, I am in the process of challenging OUSBA on the default notice that they issued to me. They served the DN on the 4th July 2014 which was a Friday. The date for remedy contained within the DN was the 18th July. Given service rules under CCA 74, I am assuming the correct date for remedy would therefore be the 22 July or…
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Good credit score?
what is the lowest credit score that would be classed as acceptable? i have never bought anything on credit, never had a credit card and never had a loan. i have however, always paid bills when they are due and have never had any debt. this leads me to believe that my credit score won't be fantastic. i'm just curious as to…