Credit in The AnswerBank

stoo_pid

Checking credit rating - update

Further to my question regarding credit checks (here) - it turns out there was no association with the dodgy lodger. (Thanks to everyone for their helpful advice BTW). The problem was...

lostbloke

Mortgage and credit checks

My wife and I recently applied for a mortgage with a leading high street bank. We were turned down following a credit check. I checked with the credit reference agency and it appears that we were...

Kris2005

Non Status / Bad Credit - Small Business Banking Account.

I am a small business (myself T/A), I am ex Bankrupt (discharged) and had a lot of financial problems including House reposition during my Bankruptcy. I recently tried a few High Street banks for a...

bookworm_1

pay off credit cards or loan first

I have just recieved an endowment cheque for ?7000.00 at the moment I have an outstanding loan of ?7302.00 and credit cards of ?6351.68. I am on working tax credits of ?171.00 pounds per month which i...

erimus1

Improving Credit

After a nessy divorce, my finances were somewhat messed up and my credit file had a few things on it - I have cleared most of it up or atached notices og correction and notices of disassociation from...

cypriot_01

Credit Debit Card's UK

Hi, I wanted to get VISA or Master card in UK but no luck as I have very bad credit history. Capital one asked ?200 deposit for a master card with ?200 credit limit adn %29.9 APR. It is no good to me...

thepheebster

Credit Information

This is a long one. I cancelled my o2 phone contract, my final bill was ?297. I paid this, and thought it was all done and dusted and I wouldn't hear from them again. I've just received a copy of my...

Hgrove

credit check?

I have been ordering things from websites using my credit card (Xmas presents). Do they do a credit check on you? I don't see why they should as if you pay by credit card, the payment is...

Miss Zippy

Barclaycard credit card

I received my Barclaycard credit card yesterday - the one that offers 0% until August 2005 - and was stunned to see that I was given a low credit limit of ?480. I thought they must have missed a zero...

Gorman

Credit rating

How do you get a credit rating? I have never had any credit and as such can not get any to start a decent credit history. Can anybody suggest an easy way of getting on the credit ladder?

Nelli

Me and my new Credit Card!

OK folks after years of having a poor credit rating, I sorted myself out, re-negotiated debts etc. and finally got accepted for a credit card. Now the only reason I applied was to increase my credit...

webbo3

Universal Credit Cuts Could Push Some Over The Edge

https://news.sky.com/story/if-they-give-me-less-ill-be-homeless-fears-that-universal-credit-cuts-could-push-some-over-the-edge-12708480 ""If they give me less I'll be homeless as it's going to be a...

pussyfoot

Credit Card Insurance

Hi, I want to buy a used car online, if I paid for half of it via credit card and the rest from a debit account will the credit card cover all of it or just the half I've paid via the credit card....

Ric.ror

Credit Cards For Credit Rating

I have a not impressive credit rating - I don’t know why as I have no debts - one late payment in 2017 Should I get a credit card just to bump my figures up? I’ve no intention of using it...

ferlew

Why Would I Be Turned Down For A Credit Card I Wonder?

Been with the same bank almost 50 years, never had HP, bills always paid in full and on time. Home owner with no mortgage, credit score of 999. And yet, when I applied to my bank for a Credit card...

Madgirl2

Credit File Question

My mum and dad (who have lived in Spain for the last 20 years) hold 3 UK bank accounts. These are simple checking accounts with no overdrafts - just debit cards. If I was to be added to these accounts...

Gromit

377 M Ps Had Their Credit Card Suspended...

...and then that disgraceful fact was hushed up by the expenses watchdog. // The parliamentary expenses watchdog tried to cover up data showing 377 MPs, including nine cabinet ministers, have had...

pumpjack

How To Get My Credit Rating Up To Standard

defaulted 4 yrs ago, long story, anyway im n right track now since then, o2 contract bill being paid, virgin media bill being paid on time, recenty got a cashplus card where they lent me £70,00 per...

spathiphyllum

I'm In Credit For Gass N Leccie

£40 odd quid. My direct debit is apparently too much? apparently they estimate i'll be £420 in credit at the end of my 'plan'. They say i can get a credit refund, will this go straight back into my...