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  1. Hi all, I'm hoping someone can please advise as to whether my logic is correct. Essentially I took out a Northern rock together mortgage over 10 years ago just before the recession, this included an unsecured loan of £30k. Shortly after I was out of work for a year and built up mortgage arrears on both the secured element and unsecured element of the loan. Despite 5 attempts of NRAM trying to repossess I managed to fight them off and eventually paid of the secured mortgage arrears however because I was prioritising the secured payments the unsecured loan arrears were not being paid
  2. Many questions have been raised about Credit Files. A lot of confusion exists about how to interpret elements of a CR (Credit Report) However, don't fear, the wonderful people at Experian have helpfully explained when you should see "Settled" or "Satisfied" on your CRA Report. This includes accounts that have been subject to arrears but not defaulted. So if you default on an account, once paid off this will change to "Satisfied" Please remember that when negotiating a Payment Plan at a discounted rate, the Creditor has the legal right to change this status t
  3. I requested my credit file from Experian and it states I am not on the electoral roll: "No Electoral Roll Information available from the addresses provided". I registered to be on the Electoral Roll a few months ago. This was confirmed to me by my local authority and I also received a voting card for the last general election. Therefore this has shocked me. I have been applying for bank current accounts over the last few weeks and, disappointingly, been rejected by all of them. I am already in a weaker position than most people as I have a non UK passport, not even an EU
  4. THE CO-OPERATIVE BANK PLC ran an "Identification: Generic Check" on Experian. Do they do this for all transferred Britannia accounts or should I be concerned? I have not applied for any products from them. The only Co-op product I have is an old Britannia Building Society savings account with a very small balance that was transferred to them during the merger and I haven't even updated the passbook for a couple of years as it's only a few pence interest.
  5. Just a little anecdote from a few months ago. Meant to share it here sooner but got a little waylaid with other things. I was an Experian customer last year and had subscribed to their £14.99 a month product to be able to view my credit report and credit score. At the time, I was not aware that I was also being sold an insurance policy for identity theft protection. I decided to cancel my Experian subscription after a while; I didn't really feel it represented good value for money as I rarely apply for credit products. However fortunately I stumbled across this article when I
  6. Hi all, Just a bit confused on my credit report that I tend to check minimum weekly so I know exactly what to expect. While I've been pretty much going up monthly where most debts are now cleared - there was a sudden jump from 8 something to 964 which puts me into the green nicely. Looking further down, I have noticed an active credit card with a balance of around 5k has vanished. Yes it was taken out in 2008 so 6 years but my understand was it would only vanish if the debt was not being paid off/touched/increasing. This card has been used/paid off/used/paid off countless times sinc
  7. I've instigated a complaint with Experian because my credit report shows that I have one delinquent account, but doesn't tell me which account it refers to. Information I believe I am entitled to have access to. That's the background. I wondered whether I'd be able to challenge Experian on whether their holding information that regards an account as 'delinquent', is legal? As I've unable to find anything under the Consumer Credit Act that allows an account to be marked as such, and Experian have advised that their computer systems calculate the 'delinquent' status rather
  8. Hi This is not a trick question. Around Nov 2007 (or it could have been Nov 2008) four defaults were registered against my name. They all hit my account around the same time as I had gone through a Debt Management Company. Last year, I settled all four defaults and they are registered on my Experian report as "satisfied". During the last few months, I have been trying to obtain a mortgage and it was then that I realised that the default dates have been changed and instead of coming off my file on or around the same time, there is a difference of one or two years
  9. Virgin Media. They are the only people who have put late payments on it, I have tried to set up direct debts several times and each time its not gone though, so i have paid late? all my other contacts, loans etc are paid spot on, so i spoke to Virgin on the phone and i got the following email after an investigation. __________________________________________________________________________________________ Dear Mr ****** , Thanks for getting in touch with the Virgin Media team about the entry we added to your credit file. This might have appeared on your file as
  10. I have a tendency to get too involved in problems until they're solved. With that in mind, please tell me I'm being anal and to ignore it if you think I'm reading too much into this. Long story short: I received my credit report from Experian and was shocked to see 84 linked addresses. Had a closer look, then tabulated the data (enclosed picture)and found I had 13 links to 7 addresses, but duplicated up to 7 times (so 8 copies of 1 link) and at least 3 times (so 4 copies). So I had a closer look. Take a look at the table enclosed. - Each row has exactly the same date, but I've short
  11. I used one of those websites that compare insurance for your car, it was about 3 years ago, but every now and again there are a load of searches from insurance companies on my report. Lowell have searched and payday loans, how are they allowed to do this? The searches don't disappear and I thought they would have to ask permission?
  12. I am after some advice. Really stressing me out now!! Basically I entered a DMP on 09/2009. I have currently paid £5,527 to date with a further £8,488 to pay but I am increasing payments to £510 per month so this will be clear by mid 2014. I have been looking at me credit file with experian and noticed the following default dates.... Lloyds TSB (17.02.2012) Also says Arrangement start date was 01/12/2009 and end date was 01/06/2012. Surely I should have defaulted before this date as technically, when I entered the DMP I broke my original agreement. Lloyds TSB (10.02.2011) Al
  13. Hello, I have just joined this forum after reading some posts that were very interestting and so decided to post my own little question. Here is the story. When i was a little younger I was a huge fan of credit cards and loans and naive enough to spend it all and bury my head. I have not been in touch with any of the lenders or Debt collectors etc However i still get some letters from debt collectors which I still ignore due to financial difficulties. about 4 or 5 years have gone past since and today I have checked my Credit file to find that I have only ONE default showing on my accou
  14. I am sure they are running from the old offices of one or the other credit reference agencies. Anybody confirm this for me ?
  15. I have just checked my credit file after a rejection for one of my business bank accounts. It is showing a default on the account. The default was for some car finance a few years ago from Lex Autolease, although i did miss a few payments towards the end of the lease, the Lease finished in April 2011 but i witheld paying them as there was a dispute in the final fee which they adding additional costs onto. The default went onto my file in March 2012 11 months after the lease had finished. I had another dispute with them as well when they took the car back 2 days before it went to auctio
  16. Hullo Caggers I'm ex BR and have been for a couple of years now. I'm very careful with my credit score and how its affected. However, I do need some advice. Every so often I check my credit score - Experian loves me - Equifax seems to hate me (Any reason for that?? ) The last time I checked my credit score on Equifax - it was 337. 3 Months later and It's dropped to 279 and there are a few strange things... I shall post a few screen shots in hope that one of you amazing folks can shed some light!! I have no extra credit taken out Same bank account No searches No
  17. As more and more firms such as Utilility and phone companies are using CRAs to record customers account statuses,I thought it would be an idea to create a list of these to assist members when trying to decide which CRA they should use for data of interest to them. Ideally the list will include; Mobile and Home phone providers Broadband suppliers Electricity suppliers Gas suppliers Water Companies. Insurance companies High Street retail stores ( Finance agreements.) Any others aside from Banks/Credit Card Issuers and Mortgage Companies.
  18. Ref Account: xxxxx (Now Closed) Please can you help me? I wrote to Vodafone about 10 months ago regarding a default on my account but had a letter return saying the default can not be removed. In closing the account in 2010 I had a final payment to make of £106.21 the bill being sent on 17th Sept 2010. I then received a notice of default on 21st Sept 2010 stating I had 14 days to pay the full amount or the matter would be taken further. This payment was made by myself to Vodafone on 28th Sept 2010 (within the 14 day period) but unfortunately I used a Vodafone account number
  19. Hi, I have been keeping an eye on my credit report using Equifax since I got a Capital One credit card to try and start to repair my credit. My score with Equifax back in April when I got the card was 305 (Poor!) and it hasn't changed yet. I just signed up for the free trial at Experian (Credit Expert) and my score there is showing as being 845 (Good!) which I was surprised to see. I guess these are both scored out of 1000 and if so, why such a huge difference? Thanks !!
  20. Hi, been a long time since I last posted in CAG... I have a coupe of quick question about my credit file I'm hoping someone can answer. I have a default marked on my CR from December 2006, which was settled in May 2011. I understand the default period ends 6 years after the date of registration, in my case, December 2012 but I wondered how it would show on my credit report, as Equifax states: "The information will stay on your Credit Report for 6 years from the date the account was ended." - does this mean the date of default or the date of settlement? I really don't want this hove
  21. i'd love any advice if anyone can help, I'm fed up now as it seems this wont ever get sorted- companies arent interested in helping and Experian wont remove it without authorisation from creditors.... In 2007 I had several credit accounts opened in my name. I was unaware of this until 2011 when I began getting persistent calls and letters from a debt collection agency (lowell portfolio, Arrow Global). I contacted the credit reference agencies and found about £5000 worth of debt falsly taken out in my names- my personal details were all wrong so it was very easy to spot the fraud ones
  22. Hi i used several comparison sites recently to see what deals i could get on car insurance. I have checked and all seem to have been done with experian. Am i right in believing that no full credit check will be done until when i select the insurer i want and process the application? Also i got the quotes while a default was on my credit file with equifax and now my default has passed 6 years so vanished so would there be any benefit in getting requoted in case the default upped the premium since now the default has gone wondering if would get cheaper deals. What do you think? Cheers
  23. Hello, Onmy credit file I have late payments against my mortgage (lost my job but now inemployment:whoo:) showing: 1(month late) 1(month Late) 2(months late) 3(months late) 3(months late) 3(months late) Doesthis reflect as 6 months late? because on the front page of my Credit File thisis adding 6 late payments to “Number of late payments in past 12 months”. The6 late payments for my credit card show as months 1, 2, 3, 4, 5, and 6. Thismakes more sense to me. Anyinsight appreciated. Pearl123
  24. Hi people,I've been looking through the threads but not been able to find anything to answer my question fully so sorry if i've missed something.I had a loan with london scottish back in 2003 which I paid on a regular basis. I was then made redundant in 2006 and because I was with the company for less than a year I didnt get any kind of pay out from them. I had payment protection from LS but they told me I wasnt covered for redundancy, only death. I argued with them and they did nothing to help so I refused to pay them the final £358.I recently checked my credit file with experian and it shows
  25. I am hoping someone can shed some light on this.I recently checked my credit report and my score is 999 even though I have two defaults against my file, 10k and 4k.The report states 'A defaulted account is removed from your report after six years whether or not you have paid the debt in full. If you have paid some of the debt off, the balance should show how much you still owe.'They were taken out over 6 years ago and I haven't made any payments in the last 1 year.Is the above correct? Should I really have a score of 999? And if this IS correct does this mean that I will be eligible for a cred
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