I'm a tad confused with the ratings the agencies seem to be giving and there either doesn't seem to be much consistancy between the agencies in terms of scoring or I am misinterpreting things. My story is this, all was going well until 2008/9 when I was made redundant. In a year I had notched up two CCJ's and a default was issued on my mortgage as I had no income other than JSA. My credit rating was destroyed. 4 years on and the CCJ's are now satisfied and the mortgage arrears all paid. Unfortunately the default on my mortgage will stay on my file for 2 more years and there is nothing I can do about that. In an attempt to monitor my credit rating I have been a paying member of credit expert for about a year and was quite happy with the improvements on my credit score, however, today my credit score dipped by 30 points on what appears to be no reason. No new searches, no changes to my credit file at all. This prompted me to sign up for 'Noodles' free service to see what they were saying about me and also to see what my score was. Credit expert - 906 (a fall from 935 last month, like I say I have no idea why) Noodle - 1 out of 5 The Noodle score has shocked me to be honest as I knew my credit worthiness wasn't great but 1/5? Really? Has anyone had similar experiences or can offer any advise? As it seems like all my hard work of getting things paid has been futile. All I can do is sit and wait for a few years for things to fall of my file.

hi there, my husband went bankrupt in April 2007 and was discharged in April of 2008, he has only tried once get any sort of finance product since going bankrupt (this was last week for a phone contract, it was declined) and recently signed up to creditexpert to keep a track of things, on signing up he found a few things regarding his ex wife though they have not affected his rating and he has since removed her from his associations, his score is 970 out of 1000 , though this seems to make little difference to his ability to gain credit, tonight he signed up to noddle, and found on there his score was 1 out of 5 (so poor!) and again found his ex wife was still listed as a financial association (as was his mother going back to car finance joint agreement in 2003), He has emailed asking for his Ex wife to be removed, my question is why can the credit checking firms have such different views of his finances?? we have also found that he had some loans and finance that were paid off before going bankrupt with 31%apr and ppi that were looking into now, anyone dealt with renault finance before?? and / or beneficial finance? thank you

Hello, First of all, a possible apology if this is inappropriate for the forum or has been covered before, but I was hoping for advice of a different kind than dealing with default on payday loan companies. Essentially, I was wondering if there was a way for me to blacklist myself from them? For background, I've had years of financial difficulties since university. I took out a large overdraft to help pay tuition costs, and afterwards I never really did much about it. A later mistake came from taking a £3,000 loan from Halifax, which was frittered away on being 23, stupid and suddenly flush. So, I wasn't in the best financial shape when I ran into further difficulty. When I moved to a new city, I ended up short on my rent for a month, and turned to Wonga. Quickly, however, I lost my minimum wage, shift-work job through the firm folding, so turned to QuickQuid and rolled over Wonga. I'm sure you can see how this developed. While not as severe as many of the situations some have been unfortunate to be in here, I ended up owing about £2,500 overall to four different companies. Luckily, I managed to land a decent job in the career I'd trained for and worked in before, at a decent salary, and I'm one month away from clearing my single remaining payday loan, overdraft and remaining balance on my bank loan, finally, without defaulting. Essentially, I never want to be in this situation again. I've managed to survive, just, through extreme austerity and living more or less a half-life. My salary is a decent one of between £20-30,000, but I've been living, after rent, bills and debt repayments in a horribly complex system of borrowing between companies and gradually reducing the amount I borrow, on around £100 per month including food, clothing and extra costs. I can sympathise strongly with many here who have talked about jolting awake in the middle of the night worrying about debt, and all of the personal difficulties that have come with it. However, despite all of the problems this has caused me already, I do know myself and I am not good with money. I can't, in all good conscience, say I'd never be tempted to borrow £50 from Wonga a few days before payday when I'm absolutely broke, or have an unexpected expense arise. I'm going to be cancelling my overdraft facility next month and I'm fairly sure that my credit file is shot to hell through years of living in the red. But I do worry about the ease with which Wonga, QuickQuid and others make it for you to borrow without thinking. It sounds utterly ridiculous, and it is, but I live in fear of this happening again. You all seem fairly knowledgable, is there a way under a consumer protection law, or an act, or a process of some sort where I can request that these lenders not extend credit to me again? Might be a long shot, and it might just be a case of being utterly disciplined (and blocking their websites), but I thought it might be worth asking just in case. Thank you for your time.