Credit File & Ratings

A question about : Incorrectly defaulted account

Hi
I took out a Buy Now Pay Later deal via Comet for a washing machine in 2012.
When it came to pay off the debt I missed the initial date and had to pay an additional amount for the one month's interest. So I rang up the company (Santander Store cards) and asked to pay off the full amount of debt which was Ј512 (paid with a Santander credit card) - this was 2013.

A question about : How long does a 'default' account sty on my credit record?

I've just finished paying off an old HSBC overdraft via Marlin Finance. This showed on my credit record as default, even though I was paying it back monthly via HSBC themselves and I always disputed the 'default'.

Anyway, when does the record disappear from my file? Can I request it to be taken off immediately? It's messing up my rating big-time as I used to be a 4/5 on Noddle. With this 'default' I'm a 1/5

A question about : ERUDIO student loans help

HI,

A question about : mark against mt credit file but no info given?

I've recently viewd mt credit report in prep for a mortgage (wanted to check to get an idea on how good/bad it is!)
There is a mark against me for a late/non payment (??) but it does not state any details - just 'Lendor contacts unknown'

How do i rectify this if i have no idea who it is??

Also, ive read conflicting info on accessing your credit file. Does this infact affect your credit rating too in a bad way?

Manty thanks

A question about : will they remove my default?

Hey guys,

I have just recently looked at my credit file for the first in in many moons, I have discovered a default for Ј147 from studio.

I had no idea this existed, its from 2012 and it appears it be from an address I moved out of long time ago.

I have contacted them today and asked them about it, I said I would get back to them and paid Ј25 as a good will gesture until I look into it.

A question about : Incorrect CCJs

Hi all. I hope this is in the correct forum.
In 2011 my Mother passed away. I informed all utility companies and provided them solicitors details (POE) to write to request payment direct from estate via solicitor. All companies bar one carried this out. The company in question proceeded to hold me responsible for a Ј120 bill and issued a CCJ against me. Fast forward several months and I discover this. The organisation in question removes the CCJ from my file but not before it has caused severe stress and cost me a mortgage application.

A question about : Cabot financial

Hi,

First time on.

My partner has a debt with CABOT FINANCIAL and is reluctant to call them to find out where this has come from. We have just signed her up to experian to get her straight.

Her ex was a mess with finances and it is likely from him or something he arranged, although his name doesn't appear on the report.

Is there a list of their main clients (or likely debt they have bought), so we might be able to figure this out without activating something.

A question about : Credit File & Ratings Board Sticky

Hi folks

This is the new Credit File & Ratings Board Sticky where links to all current important threads will be kept.

Links:

New Credit Ratings Board

Check your credit files.

What your credit score really means

Credit Rating: How it works and How to improve it discussion area

How long do accounts/defaults remain on your credit file?