Hi there, From my research the only times the co-op refer an application for the Cashminder account is if you have a CIFAS warning on your credit file or (I think) if you are an active bankrupt. Have you checked your credit file?

Did you request credit info from all of your addresses for the last 6 years? Have you missed any payments at all over the last few years?

That can be the problem, sometimes they do credit searches even though they shouldn't. If that has happened you are entitled to have them changed to unrecorded or removed. Again, I advise checking your file to see what has happened.

I agree with Buzby. There are two types of searches that can be done on a credit file: unrecorded and credit. A unrecorded enquiry is usually done to confirm a persons identity and is not visible to other potential creditors. A credit search IS visible to other creditors and is detrimental to a persons credit file as each search is classed as a credit application. Debt collection agencies have a very nasty habit of logging numerous CREDIT searches on peoples file knowing the effect it will have on that individuals credit score. I suggest firstly you check which type of search has been undertaken by reviewing your credit file. If it says credit then write to the CRA advising that the classification of the searches are incorrect, and if they are not corrected you will lodge a complaint with the Information Commissioner.

Missing payments to credit cards or loans has a negative impact on your credit score, so this may be the reason for your wife's low CRA score. Regarding your defaults, that may also be having an affect. Do you have a joint current account, joint mortgage, joint credit cards or have previously applied for credit jointly? If so there is a 'financial association' between the two of you. If this is the case then lenders may also search your credit record as part of any lending decision. Hope this helps.

Hi Jude, how did the stopping smoking go?

Hi Raven Did Bcard issue a default notice on you before you set up the arrangement to pay?

Hi Smiffy66, Did you get the score from Equifax/Experian? If so that is just their interpretation of your credit score. Individual lenders will have their own criteria against which you will be scored. Having said that 569 is quite low. Do you have defaults, CCJ's or missed payments on your record? If so it is likely the high street banks would decline your application

45002, I fail to see how your comment helps a genuine enquiry from someone looking for help.

I agree that as you have waited this long you may as well stick it out. My final default automatically disappeared from my file last week six years and one day after being entered. 8)

You just need to be sure that the organisation you are applying to is not 'related' to the organisation you owed money to (i.e. RBS and Natwest are part of the same group and therefore may share information on old debtors)

Hi Browsing, There is a correlation between people requesting their credit file and increased DCA's activity. As part of DCA tracing activities they can pay to have a marker on people's credit files so they are notified if a request for information is received.

Hi Broccoli_green Whilst showing that you are paying your debts is seen to be good , a default is considered to be as bad as a CCJ as far as creditors are concerned. Once a default is on your file it stays there for 6 years (the same as a CCJ) whether it is paid in full or partially paid unless it was placed in error. Dink dink is right to say the effects of the default do diminish over time (i.e. your credit score increases) but this takes years not months to happen.

Hi Broccoli_green Whilst showing that you are paying your debts is seen to be good , a default is considered to be as bad as a CCJ as far as creditors are concerned. Once a default is on your file it stays there for 6 years (the same as a CCJ) whether it is paid in full or partially paid unless it was placed in error. Dink dink is right to say the effects of the default do diminish over time (i.e. your credit score increases) but this takes years not months to happen.

It seems unusual for a Landlord/Letting Agent to re-reference a tenant without reason, have you had any other issues with them?

Just trying to work through what information will be available to view at a linked address. Scenario 1: If you incurred any defaults or CCJ's issued at a linked address while you were living there, they will fall off your record as normal after 6 years, therefore in this scenario the only information available for years 7 and 8 is were you registered at that address, and your payment history on accounts (excluding defaults and CCJ's). Scenario 2: if an organisation registers a default/CCJ against a person after they have moved from an address, then the six years starts from the time the negative information is registered against you (which in the case of Aktive Kapital could be years after the original default took place), therefore the negative info could be available to view for more than six years after the original default, bur not for more than eight years as this is the legth of time they claim they hold linked address information for. If scenario 2 happens, I presume the remedy is for the person involved to request the default/CCJ be removed as it was issued to an old address and therefore invalid. Is my logic right?

The default should be removed (whether settled or not) 6 years to the day that the default was registered.

Hi Splicer, You mention having a joint account for houshold bills. If that is the case you created a financial association with your housmate. This is recorded on both your and your housemates credit file and means that a lender can search both files as part of an application. You can send a letter of dis-association to the CRA's asking them to remove the link. I presume the joint account is now closed?

Hi all, I read somewhere that linked addresses are kept on your credit file for 8 years. This strikes me as strange considering default and CCJ information is held for 6 years. Is this a sneaky way for the CRA's to continue to report detrimental credit information after the 6 year deadline has expired?

Hi Muffin999 I went into a branch of the Co-op with 2 defaults and a CCj and was given a Cashminder account with a debit card, so hopefully you will be ok.

Hi Madsam, A CIFAS indicator usually results in lenders being more stringent in checking your identity and the details of any credit applications you make. My understanding is that the marker cannot be removed, but falls off your creit record after 12 months.

Hi AC, Haven't checked in with you for a while, how is it going?

Great news SENDozer. I used Alan Carr too and have just hit the 3 month mark.

You've cracked it now Ida well done . Have you heard how Angry Cat is doing?

Hi 247, You are probably right. The defaults came off at the begining of Feb, and I just got excited as finally my report was clear