Credit File & Ratings

A question about : Tesco Error Affecting Credit Rating?

Hi All

Wondering if I could get some advice from people who have possibly be successful with a query with Tesco affecting their credit file?

The long and short of it - plus from what I can remember it was a while ago!

A question about : Experian "misselling" of ID theft insurance [merged]

https://www.thisismoney.co.uk/money/c...DONT-need.html

A question about : credit searches and enqiurys

I Have recently done a credit search on check my file now searches are coming up from january 2013 and ive read that they only stay on for 12 months so why are they still on???

Best answers:

• Check my file is rubbish, use the CRA's who are the source. I wouldn't waste my time wondering why the search still shows.

A question about : Error in database

Hello

The Post Office database contains a spelling error in my address. The address also includes punctuation, which isn't accepted on some forms. I think this might be affecting my credit rating because I have recently been refused credit for one card I am apparently acceptable for, and in other respects my credit report is good. Does anyone know what can I do about this? I have emailed the Royal Mail but I'm not confident of getting a response.

Magda

A question about : Default finally gone, now what?

Hi all - new to the forum, occasional reader and finally signed up.

So, my first question is...

A default, the only default, dropped off my credit report on 16/02/15. I'm interested as to how it now works with my rating/score in general. I'm not expecting to go from zero to hero, but am I instantly more likely to be accepted for basic things I was rejected for in the past? Switching current accounts, phone contracts etc. etc.

Thanks in advance.

A question about : vodafone default help!!

Hi guys

I'm in a bit of a pickle and could use some advice.

back in 2008 I took out a phone contract with vodafone, I cancelled it in dec 2010 and took out a new contract with another provider however continued recieving bills from voafone, after several phoncalls it was established that they had failed to cancel the account correctly but agreed to waive the bills as the error had been on their part. The matter was resolved or so I thought!!

A question about : Credit Rating: How it works and How to improve it discussion area

If I have credit cards or store cards which I don't use, can future lenders find out about them if I don't declare them?