Credit File & Ratings

A question about : Credit File and Default Help

Hi all, just looking for some advice. I left the UK and I went travelling back in 2011, came back and then left again. I stupidly just ignored all my credit accounts.

I've just checked my credit file and I have three bank accounts in good standing order, one with a Ј1500 overdraft (not used). These all seem okay and shouldn't cause any problems.

A question about : Equifax black mark

Help advice needed please!

A question about : Letting agency "credit checks" and experian scores

Having become debt free it's great. I can see all my money going into savings and I can really move on with my life. I'm even able to start to make some strides towards saving for a mortgage now.

But I'm deeply concerned that I won't be able to move because of the problems which will remain on my credit file for years.

Why?

A question about : Help re Statute Barred

Many years ago I incurred lots of debts some of which I paid off through a debt management company some of which I did not.

One of those I did not was with Nationwide and should be statute barred. However another account with Nationwide was paid off by Gregory Pennington via me and in fact overpaid when I think that Nationwide allocated this overpayment to the account I was not paying off.

A question about : MSE News: Noddle to offer free credit reports

This is the discussion thread for the following MSE News Story:

Consumers can now get permanently free access to their credit report, which can indicate likely acceptance for credit ...

Read the full story:
Noddle to offer free credit reports

A question about : noddle credit score

hi is this a correct credit score.. using noodle received email saying they can improve your credit score if you sign up paying a fee every month..

A question about : ICO/SCOR

See now this document --> Principles for the Reporting of Arrears, Arrangements and Defaults at Credit Reference Agencies

Quote:

A question about : Noddle trying to scam punters out of Ј20 a year

Oh well, I suppose it was only a matter of time.

Freebie credit report service, Noddle, is trying to scam its members out of Ј20 a year.

Apparently my Credit Rating is 5 /5.

Credit rating? Credit score? Will they give me six numbers for the lottery too?

At least the important stuff is still free. The charge is for an additional random number.