Showing results for tags 'scoring'.
Found 4 results
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Hi all, My husband and I have been given 2 months notice to find somewhere else to live by our landlord, as they want to sell the house. We've applied for a house we like through an estate agents - we've applied in both our names and paid £42 each for the credit check. My question is, well more of a concern really... we both have a REALLY bad credit score, we are in debt to multiple credit card companies etc though we have very recently put repayment arrangements in place with them. I have a CCJ but I made the estate agent aware of this and they cleared it with the landlord of the property we've applied for. She doesn't have a problem with it. So what I'd like to know is - is the credit check done to check our credit score? Or just to check that we don't have any CCJ's or other things that we didn't declare in our application? Thanks -
hi everyone, reading your posts and advising some other people i decided that advice was perfect it was to get my credit report free and then try to get on the right path to becoming debt free. i have small little debts few hundred here and there from when i was young 18-19 that id like to clear off now i have children and a home so i can obtain credit in the future if needs must or mortgages etc. started off excited and posotive ended up really upset. i have put my correct details into every agency offering free credit reports and they claim to not be able to verify my identity. what am i supposed to do now. some of these debts i cant even remember i just know i wont have paid them i had a store card i know at some point spent £114 and another catalouge account i spent £110 i remember that but not who....... i really want to start to pay off these little debts so i can owe nothing and improve my credit rating for the future.
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Hi all, if i go to a credit scoring company such as, experian, will this make way for other debt collection firms to find me. Not that i'm trying to hide, got a debt management in place but dont want any surprises, Cheers
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Hi there - I'm a bit intrigued by the way agencies calculate credit scores in that I've never defaulted, always paid on time and no other potential black marks. I do have a loan which has two years to run and 2 credit cards but as I said all up to date. Now Noddle puts my score at 3/5 which seems average but equifax gives me an excellent score of 510. I realise the numbers mean nothing but how can I be excellent and average?
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