Hsbc charges

[Ksmith32646]

Hi I have a hsbc old loan which is due to come off my credit report jan 14

It has a lot of missed payments on the same as my Halifax loan which is due to come off my file a few mo tha later.

Even tho they are 5 years old do you think they are still hurting my score if so how do I remove them?? Or try 2

They are both paid off or settled as you say

[Crocdoc]

Any defaulted accounts will remain on your file for 6 years and will impact on your credt score .

[Ksmith32646]

They are not defaulted.they are settled just with missed payments on

[Ksmith32646]

Is there a way to get past accounts removed from you credit file before the 6 years has passed or get late payments changed on them??

[BRIGADIER2JCS]

Settled rather than ''satisfied'' is much better any way these will be removed after 6 years.

[Ksmith32646]

Will it improve my score or file when they are removed

[BRIGADIER2JCS]

Credit scores are just a day to day indicator as to how any credit app will be viewed by a potential lender,and is a small part of any lending decision.

 

When these entries are removed you will see som upward movemment, how much will depend on what other accounts you have and how they are managed, too little medium to long term credit agreement is as bad as too many, and if existing available credit is used nearly to the limit this will also impact on the file.

Also numerous credit apps in a short period will have an impact successful or not as they leave a search ''footprint'' on the files.

 

You need to have approx 2-3 years good credit management to improve your credit file drammatically.

[Ksmith32646]

Hi I have a late payment charge for hsbc this month wondering if anyone has any ideas of getting them to change it to on time??

[dx100uk]

any penalty £12 charges to reclaim?

 

dx

[dx100uk]

three threads merged

please keep to one thread

for the same issue/debt

 

dx

[Ksmith32646]

Yeah paid a monthly fee for being overdrawn I put the account back in balance the day after they reported it being late as that was the day I got paid

[Ksmith32646]

Any template letter and address to send it would be very apreciated

[dx100uk]

is this a bank account or credit card?

 

dx

[Ksmith32646]

Bank account

[dx100uk]

it might be worth your while starting a bcobs complaint

 

click the link and read the rbs link

 

are you on benefits?

 

dx

[Ksmith32646]

Do you that will work I get paid same date every month into that account

[dx100uk]

sorry?

 

dx

[Ksmith32646]

Sorry meant to say do you think that will work?

Making a complaint.i have read other posts saying they had one removed sending a letter asking for a good will jesture.what address would I send that 2?

[dx100uk]

hsbc data compliance manager

address in the sticky on this forums homepage

 

are any benefits going into that account?

 

dx