Credit File & Ratings

A question about : Default on Credit File Twice

A question about : defaults

Hi I'm hoping for some advice please. I've recently got a copy of my equifax report as I need to apply for a mortgage. There are several defaults on there which I know nothing about. I believe they were taken out in my name by my ex who I split up with last year after a long period of domestic abuse. Can anyone tell me the best way to deal with this as I don't know where to start. Since some of the defaults are with collection agencies I don't even know who the debt is with. Any advice much appreciated.

A question about : The Car Finance company loan not on credit file

I had/have a poor credit score so I had to use TCFC so I could get a car, so I'm paying well over the odds for a car, thats not my issue, I know I'm a risk because of my credit score.

If anyone knows the answers to my questions or has any advice for me I'd be very grateful.

1. I've had this agreement for 2 years and it has never once been on my credit file on experian, should it be on there?

A question about : Improve with ANY Direct Debit?

Hi there,

I'm currently trying to improve my credit file. I hear a lot about setting up Direct Debits to improve your rating.

Could it be for any Direct Debit, i.e if I join the National Trust and pay monthly? Or a charity, or Netflix etc? in other words a fixed amount, not a bill per se.

It would be good to know how much detail they look into, or if they just see a DD on the file and like it, not minding what it's for.

Cheers

A question about : Help with Defaults and ccj's

A question about : Head out of sand and dealing with the defaults

hi,
I have finally got to a point where just want all of the debt gone and feel ready to try to deal with the defaults that have sat on my credit file for what feels like forever but am hoping someone can help with a couple of questions. I have listed below the default info

Capital 1 CCard - Ј3401 defaulted 12/2012
Barclaycard Ј777 defaulted 5/2011
O2 phone Ј912 defaulted 2/2010

A question about : Couple of questions on how i appear to lenders.

Hi,

i may be looking to remortgage when i reach the end of my fix later this year. So just a couple of questions about how lenders view these points (i know its very difficult to generalise about lenders but am interested to see if there is a consensus view)

1) I have the following credit card limits available to me.
1. Virgin 12995/15000 (hope to pay down to around 8k before app)
2. Barclay card 0/9800
3. FD 0/4800

A question about : Historic MBNA Debt

Hello

Apologies if this has already been discussed before. I don't get on here too much.

In 1997 I took out an MBNA Credit Card, and ran up Ј3,500 limit, which then defaulted in 2000, and was handed over to Wescot Credit Services.

I set up a Standing Order with Wescot and have been paying Ј30 a month (reducing to Ј20 a few years ago) since 2000.

I've just called for a balance and settlement figure (still a staggering Ј800, settlement was around Ј700). The debt no longer appears on my Experian Credit File.