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Accounts appearing multiple times on Experian!
I checked Experian today and have found that overnight, all 4 of the accounts I held now appear 3 times on the report, thus making it appear I owe triple the debt I actually do. Last night the accounts only showed once each. What could possibly have happened? I did a balance transfer on my credit cards a few days ago which…
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What does this mean please?
Hi - can anyone please help me work out what Barclaycard have done here? (will have to type as struggling to upload a screenshot) June May April March February Status code 6 D D 6 6 Balance 0 0 0 0 2635 Payment amount 0 0 0 0 0 Previous balance 2635 0 0 2635 2635 My account has been listed as 6 months late payment for over…
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Repeated phone/broadband credit checks affecting credit score?
Hi everyone, I am vaguely aware that too many credit history checks are generally thought to be bad for your credit... history. So, I've stayed away from any unnecessary credit/store card applications etc. quite successfully so far. However, recently I've had to change my broadband provider, and in the process of signing a…
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Wrong address on Experian?
I recently applied for a flat tenancy so expect the letting agent will soon be viewing my credit file. I hadn't checked my credit report in years but reactivated my Experian account today to have a look. The score (959) is good, but I'm still registered at an old address on it, despite all my accounts and home phone number…
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Default Notice on Statute Barred Debt
My wife recently reviewed her credit file with Equifax and found that a default notice had been placed on her file by MKDP. We have clarified with MKDP that this was in relation to an account with HSBC that is in fact statute barred. From my research I understand that a default marker can be placed on a credit file in…
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Cleaning up my credit file diary.
This is just a wee diary to put some notes down in case any one is in a similar position to me. First step of clearing up credit file was asking Barclaycard to remove a late payment marker from last July. A direct debit had failed and payment was made 1 day late, yet I had a marker on my file. - Sent a message on the…
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Notice of Enforcement help needed
Hi all I have yesterday out of the blue received a notice of enforcement from high court enforcement group limited claiming I owed E. On Energy Solutions £3836.77, it turns out it is for someone else with the same name as me and would you believe the same date of birth. Now nothing has been resolved as yet as they have to…
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Help, husband has someone else's debts on his credit report
Hi wonder if you can give any advice. My husband got a letter in (different surname) but had come to our previous address and this one. When he called the company they said he had an outstanding payday loan, this person has the same first name and d.o.b. When he did a credit check on noddle, he found 3 other accounts with…
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Statute barred but CCJ from debt collection agency
Hi Not that I am suspicious of credit reference agencies but I have just applied for my credit file from Experian (still haven't had my password to access my account even though I have been waiting a week but that's another issue!) and all of a sudden a Claim Form from the Northampton County Court Business Centre drops…
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Will wrongly address Debt recovery letters affect my credit?
I am concerned after receiving 2 debt recovery letters have arrived this week to my address, it's sent to an ex boyfriend of my daughters but using our address! I have sent them back return to sender unknown at this address, and have emailed one of them, there was no email for the other. However I know our mortgage has…
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Credit Card - Close or leave Open
Hi At present I have 2 credit cards, Bank of Ireland and Tesco credit cards. Bank of Ireland: £400 current balance roughly (10% payment) Tesco: £300 current balance roughly (£25 fixed payment) I am currently snowballing my Tesco Card to 0 balance. My question is, once I zero balance the Tesco credit card, will cancelling…
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Credit File after moving house
Hi there, hopefully someone can help me, im new so please go easy lol! I moved house on 02 July 2014 (mortgage with TSB, excellent, quick service) with no major problems. I pay all my bills on time and have never had any defaults or late payments. My husband is exactly the same. We applied for ahome Improvement loan with…
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Financial disassociation - how often do companies send info to Experian?
Hi all, I've just signed up for a 30 day trial with Experian so that I can sort my credit file and make sure all links to my ex partner are removed. We separated in Feb 2012 and neither of us have lived there since, though he has never changed his address (whole other story!). We finally sold the house on 18th July which…
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vodafone defaults with no account.
Hi folks, basically I was a very silly young man, took out a vodafone contract which I couldn't really afford, it was then terminated. Soon after I decided to sort my financial life out. I rang vodafone told them I was happy to pay 150 a month until the balance had been wrote off. 6 months down the line, with car…
