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Defaults dates IVA
Evening all I entered into an IVA in March 2018 most of the defaults were issued before the IVA started and have therefore dropped off my credit file. However I have 2 that are after the IVA date, one end of April another June, I believed that these should show as default from the same time as the IVA. I have contacted…
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Incorrect Broadband Provider on Credit Check
Hi all, I'm trying to transfer my broadband from Sky to Vodafone, as Sky are hiking my price a whopping 13% and so I have a small window to go to another provider. There is a great deal on Vodafone broadband on U Switch - currently offering an extremely generous Amazon Voucher into the deal. Unfortunately, when completing…
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Shop Credit Account - keep open or close?
Hi, I have an account open with Very - I have now paid this account off completely. My question is: should I close this account or keep it open? I have no intention of using the account again.
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Changing address
Hi all, I recently checked my credit rating which is all good but have a potential issue. I have rented in London for a few years but have kept my bank account registered at my parents address for ease (as in London you often only have a years stability when renting). I am now looking to apply for a mortgage. For my proof…
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How to drop 10 points Experian.
Delighted to view accurate minus 10 points from Experian Score. Why- Make use of 0%VM Offer via Cooker purchase. Is it possibly- 1. I'm using 'More Credit' 2. Percentage of Utilsation has changed. 3. Total Credit Balances have Increased. It's times such as these, I continue to visually check Score anyway. I intend to re…
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Ongoing Defaults after a Bankruptcy Discharge
Hello, I am new here! I am hoping to get some advice. Got in way over my head after I closed my business in 2019 with debt. Bankruptcy really was the only solution. The bankruptcy was discharged in 2021. However, whilst the majority of creditors state 'Satisfied' on my credit reports, three creditors are still issuing…
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Credit check - new job
Hello, I was hoping someone can give me some advice. I have just secured a new job but it requires a credit check (it's for a FCA regulated pension/insurance company). The role is in marketing so not customer facing and with no or very limited access to customer data. I have no bad debt, a good credit score and I've never…
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Laybuy hacked, fraudulent spending, no response from laybuy
Please advise if this needs to go to another thread. Last week my laybuy account was hacked and used on a number of retailer sites in a short space of time. By the time I realised, £1200 of transactions had occurred. I immediately contacted the credit card company attached to the account who put a block on any further…
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Laybuy fraud wilko!!
Hi has anyone had any luck with a response from laybuy? I still haven’t received any! Iv contacted my credit card company and they are refunding me but i am worried about the laybuy weekly payments and having it on my credit file!!
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Arrangement to pay
I wondered if anyone could help me... I'm currently in the process of applying for a mortgage. I have got an AIP so the next step would be to apy for a full mortgage. HOWEVER... looking at my credit report I've noticed that I have an Arrangement to Pay against my Santander credit card for 1 month (October '22). As far as I…
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Credit club not updating
Any else had any issues with credit club not updating? Mine still says next update 3rd February. I get an error message when I try to look at credit report too.
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Query about CCJ and Cabot Letter
Hi All, Hope this is the right category. I recently downloaded a credit app and found 2 CCJ's against my name. I paid for a trust online report then emailed the courts, no response. I then called and waited 1.5 hours to get the info of the creditors. I have had 4-5 addresses over the last few years and didn't get any…
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Can’t contact a creditor
I remember a while back owing Vodafone some money and at the time I literally couldn’t afford to pay it. Since then I have moved house and my surname has changed. Out of the blue a default for £48 appeared on my credit report and linked to me through my old name which is all correct. On the report it says start date 2014,…
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How long does a new credit card hurt your credit score?
I'm looking to get a new credit card (don't have any in my name at the moment - only add-ons on spouse's cards) but as we're coming up for a remortgage later this year (in the fall), I'm a bit wary of the hit a new credit card may cause on my credit score. If I were to apply now, how long would the impact of the new credit…
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Laybuy
After almost 3 weeks of constant emails and online chat with Laybuy, trying to get my money back after the security breech, early February. I’ve received an email, yes an actual response from then! I’ve been refunded the money back today, apparently, I shall keep checking my bank account. So if you were one of many…
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Experian credit score
Hi, I’ve recently signed up for a free trial credit score with Experian but I’m struggling to contact them as cannot log into my account and therefore cannot cancel the trial before they start charging me. I haven’t even been able to access the credit score on the account even after receiving a letter from them with the…
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Credit Rating from Scratch - What to do?
So I decided to join here, in the hope that someone can point me in the right direction... because I am currently completely and utterly lost. Here's my situation: * I have no credit score or history. * Suffered a disability diagnosis a few years ago. * I lived abroad most of my 20s and have never had a credit card or even…
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CCJ
Hi can anyone help? In 2019 i lost my fiance and had to sell our home. i rented it back for a few months before finally leaving. My landlady said she would take over the energy bills so i gave her the final reading. As i was still walking around in a bubble i didn't contact the energy company to say i was moving. Stupid of…
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Unknown soft searches on account
I got a notification from CreditKarma to tell me that a new soft search had appeared on my account. I just had a look, and it shows 6 soft searches: 2 from Aviva, 3 from LexisNexis and one from BISL Limited, all on the first of November. Now as far as I remember, I didn't apply for any insurance on that day, so I'm a bit…
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Best course of action?
Hello, I’m new here and after some opinions. I need to borrow £30k for some roof repairs. My credit score is currently fair mainly due to high utilisation of my available credit (78% of £26k) and a missed payment to O2 a couple of months ago, because they wouldn’t let me pay the bill for a lost phone until I could tell…