Credit File & Ratings

A question about : Should I register with CIFAS?

Hi all,

Today I found out that for the second time fraudsters have applied for a credit card in my name (Amex first time, now Santander).

The mailbox for my flat is outside, and I believe people can get into it. I'm positive this is how they're getting access to my details, as my name was spelt slightly wrong on both applications, which is how it was originally spelt on the electoral role, and I get lots of junk mail addressed to this typo'd name.

A question about : Back dating a default

Hi All,

Advice and experience needed.

in 2006 I got in a real financial mess and entered a DMP with PAYPLAN.

Most of my creditors defaulted me and have all since fallen off. However a couple of creditors haven't done so and continue to record negative info on my file as I am still paying into the DMP.

One particular example:

A question about : Two quick questions.

Hi

I have two quick questions, thanks for reading.

1). I had a Wonga loan which was written off a few months ago but it is still appearing on my credit file. How do I get this off??

A question about : Credit checking website Accuracy

Hi I have signed up to one of the three main credit checking websites.

It lists me as having a credit score of 999 Excellent. What puzzles me is that it only shows one of my personal loans and is missing my:

- current account and OD
- second personal loan with same bank as above
- credit card with same bank as above
- another debit account (ex graduate balance at nil)

A question about : Should I partially settle defaulted account?

Capital One Defaulted me in Oct 2012 on Ј970, I have since paid off all but the last Ј360 of the balance, the DCA (Lowells) have offered me a Partial Settlement with 0 balance as full and final for Ј220 on this last portion. (I was unemployed following university, but now working)

Can anyone advise me on the impact of Partially Settled on my credit rating, this is a pretty small discount but the default will remain regardless, so if it would help matters I could hold out and pay in full? Bit confused.

A question about : Creditsafe

Hi, could someone tell me what Creditsafe is? Does it provide the same kind of information on you as CreditExpert and CheckMyFile? Thanks

A question about : Default notice removal

Hello - Back in 2013 i missed a 2 payments on my phone 4 u contract and resulted in a debt being created for Ј200 , This was record as a default ( repaid after 2 months).

My issue is that I can not now renew my mortgage deal for this small amount that occurred years ago. the punishment doesnt seem to fit the crime

I have rang vodaphone who are quite heartless and will not remove the notice.

Does any one have any advise on how to remove it ?

A question about : Should I apply for more credit??

Hi,

I'm looking to try and get on the property ladder within the next year or two but my credit file sucks!

- I have three settled accounts that had 2-3 late payments each (2 years ago)
- About 10 payday loans settled (Yes, stupid, I know!), of which the last was 18 months ago

I know this would put me in a bad position to apply for a mortgage. I currently have one active credit card (Ј11k limit) which I use for absolutely all my monthly spending and pay off in full every month.