Credit File & Ratings

A question about : Applied for new 0% card, was Refused

I applied for a new 0% rate card, after taking the pre check test here, which said there was a 9/10 chance of me getting it, but I was truned down for the card, so I am a little annoyed that this site had said I would be eligible.

A question about : Improving Credit Score

Hi All,

My partner has had a VERY poor credit score for a while now (due to unemployment and family debt). We are looking for our own place within the next year and her credit score worries me as i would prefer to get a mortgage with our wages combined and not just rely on mine because my credit score is VERY good.

I believe her score has been damaged because of miss payments, several store cards and unemployment. She's had mobile phone contracts, car finance in the past and has never defaulted on any of these.

A question about : Any legs to stand on?

Hi all,
I have a quandary regarding credit cards and fraud... namely I have an item, an unused wedding dress, which I placed for sale on a relevant website.
My wife received an email from a disabled Scottish lady, who wanted to purchase, but needed us to blah blah blah, we were scammed to the tune of Ј300 approximately.
Now.

A question about : Newly Debt free

I am newly debt free, having got from over 30k unsecured borrowings, to nothing, thanks to a very kind gift from a family member.

I've viewed my credit file across all the main agencies, and my credit scores are fairly good (I've never missed a payment), but all still show the total borrowing amounts before I paid everything off..(this was about 2 weeks ago)

I expect this to all be updated towards the end of the month.. Should this actually be the case?

A question about : Searches badly affected credit rating

Hi there

Until recently I had a 5/5 credit rating on Noddle, no idea about the other agencies but as I have no defaults on record and have a reasonable line of credit I imagine there were no problems.

A question about : What your credit score really means

Hi!

This is the discussion thread for the

What credit scores really mean guide.

Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum? Intro Guide.

Thanks folks,

A question about : Santander have incorrect info

Any help would be appreciated. I wanted to check my credit file as we want to go for a new car in June/July time, and wanted to make sure there was nothing on there that would jeopardise any credit I needed.

A question about : Compello Group

Hi,

I was wondering if anyone could give me some advice. I have a debt relating to an old First Direct account, and I have been since about 2008 0r 2009 been chased by this pack of bloodhounds.

I have never responded, plus the debt isn't very much, but it was the result of constant bank charges always coming the day or 2 days before my wages went in, so it escalated over the period of about 7 months to Ј1500. I paid it down by about 2 thirds before losing my job and stopping payments.