Credit History - Your own...
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... and for some reason unbeknown to you your mortgage lender has just told you to basically that you are turned down with current lender (on a Transfer of equity) to try and move the property mortagage into my sole name after marriage ended.
I'm legally still married until the Decree absolute is sorted - problem is I have a catch 22 as the mortgage needs to be transfered before that can occur.
Ex-wife is a ticking credit time bomb - so my assumption is her linkage is screwing my mortgage application with my current lender and I've figured it is pointless going elsewhere until the siuation is understood or resolved. Is there anyway of finding out - via an FSA or should I just bite the bullet and head to a credit checking aganecy and stump up £30+. Has anyone been a similar siuation and can offer advice or a recommeded credit check company.
Ta.
I'm legally still married until the Decree absolute is sorted - problem is I have a catch 22 as the mortgage needs to be transfered before that can occur.
Ex-wife is a ticking credit time bomb - so my assumption is her linkage is screwing my mortgage application with my current lender and I've figured it is pointless going elsewhere until the siuation is understood or resolved. Is there anyway of finding out - via an FSA or should I just bite the bullet and head to a credit checking aganecy and stump up £30+. Has anyone been a similar siuation and can offer advice or a recommeded credit check company.
Ta.
I got refused finance on a car and then a credit card.
I went to CreditExpert.co.uk to find out why. I have my Dad living with me, who is in all sorts of financial mess. He has a similar name to me, he is Richard and I am Ricky.
So I basically had his details on my credit score which f
ked me up big time. Little did I know every time I was applying for credit is was lowering my score!
I had to write a few letters and send a few E-mails, to get his details removed from my report, but I still have a low score!
Get it sorted now before you get yourself in more mess!
I went to CreditExpert.co.uk to find out why. I have my Dad living with me, who is in all sorts of financial mess. He has a similar name to me, he is Richard and I am Ricky.
So I basically had his details on my credit score which f
ked me up big time. Little did I know every time I was applying for credit is was lowering my score!I had to write a few letters and send a few E-mails, to get his details removed from my report, but I still have a low score!
Get it sorted now before you get yourself in more mess!
Credit reports can become 'linked' when a joint application for credit is made. In your case, it will be the joint mortgage. If this is causing your credit rating to drop, you can have the link removed. Creditexpert and other services like them can tell you how to do this.
Best of luck!
Best of luck!
Be wary of Creditexpert.co.uk - I've accessed a close family members file there whilst trying to help them out and they claim to show you what the lenders see but that simply isn't true with lots of info being shared with lenders about linked people and addresses that doesn't show up on the onlice creditexpert service. I advise ordering the official version of your file from Experian - my relatives official credit file had vital info on it that never showed up with creditexpert and they also keep trying to sell you bogus 'credit ratings' for £5.95 a pop that are pointless as they aren't based on the same info the lenders see in the full file.
It caused me no end of trouble believing what creditexpert told me, arguing with companies about it and then finding out credit expert had only provided me with half the story until I ordered the statutory one.
It caused me no end of trouble believing what creditexpert told me, arguing with companies about it and then finding out credit expert had only provided me with half the story until I ordered the statutory one.
Go to Experian direct, should only cost £15 or so and well worth it. A few years ago I was turned down for a remortgage despite never having missed a pyment on anything in my adult life. Turns out that when I moved a few years previously my old lender had failed to correctly close the now defunct mortgage account so despite owing nothing it kept registering missed payments for about 6 months. IMHO its worth getting a copy of the experian report once a year to double check your data.
We recently moved house, and I tried to order a 3G card from Vodafone (rolling £15 per month contract) - I was declined credit (I'm not sure why credit was needed.)
So I applied to a couple of the credit checking companies for information, but my online applications failed. It appears, that despite asking for previous addresses, they still couldn't find me.
Waste of time.
So I applied to a couple of the credit checking companies for information, but my online applications failed. It appears, that despite asking for previous addresses, they still couldn't find me.
Waste of time.
Just signed up to this site & thought i'd make you all aware.
You have to put in card details, as you get a 30day free trial.
If you don't cancel you then get charge p/m for the service.
The only way to cancel is to phone up the 0800 number.
In turn they try to sell you various amounts of financial services.
You have to put in card details, as you get a 30day free trial.
If you don't cancel you then get charge p/m for the service.
The only way to cancel is to phone up the 0800 number.
In turn they try to sell you various amounts of financial services.
The DVLA caused me no end of hassle when I tired to get a mortgage.
They had wrongly issued 'un-taxed vehicle fines' (for a car I'd sold 2 years previously). These fines went to an address, not mine, just a seemingly random address and never got answered. DVLA got fed up and issued a some form of summons, which of course, I didn't attend. Anyway, this all ended up with them getting a CCJ put on my Credit History.
The first I knew about it was when I attempted to get a new mortgage. Totally blew my application out of the water, dead, full stop.
I'd never been so irate / worried about any financial issue ever before.
Took several weeks to get it sorted (with lots of help as this really wasn't my forte), letters to the bank, calls to the DVLA, apologies all over he place etc but, and here's the real kick in the nuts, the CCJ couldn't actually be taken off my credit record and would be there for 5 years!!
They had wrongly issued 'un-taxed vehicle fines' (for a car I'd sold 2 years previously). These fines went to an address, not mine, just a seemingly random address and never got answered. DVLA got fed up and issued a some form of summons, which of course, I didn't attend. Anyway, this all ended up with them getting a CCJ put on my Credit History.
The first I knew about it was when I attempted to get a new mortgage. Totally blew my application out of the water, dead, full stop.
I'd never been so irate / worried about any financial issue ever before.
Took several weeks to get it sorted (with lots of help as this really wasn't my forte), letters to the bank, calls to the DVLA, apologies all over he place etc but, and here's the real kick in the nuts, the CCJ couldn't actually be taken off my credit record and would be there for 5 years!!
Edited by UncleRic on Thursday 5th August 12:52
I applied online with Experian for my credit history for £2.
They e-mailed me with a long password and voila, I downloaded my history as a PDF. 14 pages and no horrors thankfully.
For that reason, I would not apply for a free credit history check because it relies on people not bothering to cancel any direct debit payments.
They e-mailed me with a long password and voila, I downloaded my history as a PDF. 14 pages and no horrors thankfully.
For that reason, I would not apply for a free credit history check because it relies on people not bothering to cancel any direct debit payments.
Exoticaholic said:
I applied online with Experian for my credit history for £2.
They e-mailed me with a long password and voila, I downloaded my history as a PDF. 14 pages and no horrors thankfully.
For that reason, I would not apply for a free credit history check because it relies on people not bothering to cancel any direct debit payments.
How did you just pay for one look and not sign up for a month? They e-mailed me with a long password and voila, I downloaded my history as a PDF. 14 pages and no horrors thankfully.
For that reason, I would not apply for a free credit history check because it relies on people not bothering to cancel any direct debit payments.
Ignore, found it.
Edited by bracken78 on Thursday 5th August 14:12
lawrence567 said:
Just signed up to this site & thought i'd make you all aware.
You have to put in card details, as you get a 30day free trial.
If you don't cancel you then get charge p/m for the service.
The only way to cancel is to phone up the 0800 number.
In turn they try to sell you various amounts of financial services.
Strange, I had completely the opposite experience when I went to cancel my 30day free trial. No questions, no selling, just confirmed account details with them and it was cancelled, extremely efficient by all accounts!You have to put in card details, as you get a 30day free trial.
If you don't cancel you then get charge p/m for the service.
The only way to cancel is to phone up the 0800 number.
In turn they try to sell you various amounts of financial services.
0800 numbers are freephone from landline arn't they?
Creditexpert isnt 100% up to date, they take older data after it is a certain age Go direct to experian for the up to date report.
I checked mine after being refused for something, seems Black horse who i had an agreement with 7 years ago have linked me to someone with the same name and house name but 50 odd miles away.
I checked mine after being refused for something, seems Black horse who i had an agreement with 7 years ago have linked me to someone with the same name and house name but 50 odd miles away.
Just did a credit check on creditexpert, never done one before and it was mildy interesting.
Paid for credit score mind, it was 999 >cough< "excellent"
I did notice I have three addresses, or variations of the same, "27 Thorn Barns, Thorn Road", "27 Thorn Road" and Flat 27, Thorn Barns, Thorn Road? There is no 27 Barns Road, well there is. Me!
Paid for credit score mind, it was 999 >cough< "excellent"
I did notice I have three addresses, or variations of the same, "27 Thorn Barns, Thorn Road", "27 Thorn Road" and Flat 27, Thorn Barns, Thorn Road? There is no 27 Barns Road, well there is. Me!
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