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Default on credit file wrongly administrated
Hi I really need help with a default that has wrongly been put on my credit file. I took out a contract with EE in 2013 I decided that the day of delivery I no longer wanted it so declined it at the door and courier took the mobile phone away. I contacted EE who assured me the contract was cancelled and no money would…
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Bt consumer default
Back in 2012 when I moved to my new house I ordered bt internet and tv after I ordered it was brought to my attention that living at the side of a big hill men I got my tv signal from s booster transmitter, this ment I wouldn't be able to make full use of the bt service. I rang bt explained and cancelled the order no…
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Trying to "Fix" Credit File
Hi MSE, Have been reading these forums for a long time now and taken on much advice, not really sure why I've never joined. Basically, I know I have a bad credit history, I want to fix it and I'd like any basic helpful advice. I have a few defaults. Default dates show as January 2014 for 2 of them and November 2012 for…
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What should I do?
Hi everyone! I recently checked by credit rating...I was surprised to find out that I have a 'fair' rating as I've never missed a DD payment. I don't have a credit card and don't need one, I don't spend more than I need to. But how do I go about improving my credit score?? (I'm a recent graduate and only have 1 DD at the…
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MyJar Equifax report FOS advice needed
Hi everyone I'm looking for some advice please if possible with a extremely long ongoing issue with the payday loan company MYJAR 😡 In 2015 i noticed Myjar had listed a account in default on my noodle credit report and made out I had only just started this loan and missed payments etc on emailing the company it transpired…
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Renting with a satisfied CCJ
Hello, I'm sure this has been posted about before, and I have done a lot of googling, but I was wondering if anyone has any advice based on personal experience, My partner and I are trying to move house with our son, who is only a few months old. We have a combined annual income of £45k, which is more than enough to rent…
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Natwest Credit Rating Bands
Hi, We have just applied for a mortgage with Natwest. During the application process they told us we were in a certain credit rating band which is specific to Natwest. Does anyone know what Natwest credit rating bands are? Thanks
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The "homeowner" question...
I would appreciate some opinions on this: when making any application for credit there is some variation on the question about home ownership. The wording varies. Some ask about "residential status", which gives me a problem. I own a house. But I live elsewhere, in a rented one. If I answer "private tenant" it is…
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CCJ sent to old address not current
Hi All, I know this question gets asked a lot but I can't find an answer that relates to my specific problem. I got into financial difficulty in 2013 and decided to give the keys back to the house I owned and also to give my car back to the HP company. I have since recovered and for the first time in a long time living…
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Credit score and overdraft
Hi all, I recently swapped my student current account with a £600 overdraft limit for a reward current account with no overdraft. This was intentional as I no longer wanted to use the overdraft facility. My credit report refreshed today, and even though it does not yet show the overdraft change, my score has dropped by 14…
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How do I get things removed from my credit report
Hi, I was wondering if anyone can help me and give me some information on how to get things removed from my credit report? thanks
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Please help! Cifas , fraud marker, good credit score
Hi all in need of some advice as I am really struggling to sort this mess out . Firstly I have a decent credit score even though I have never had any credit. I have 0 defaults and my only negative on my credit file is that I don't have a credit card. I can't get a bank account , car insurance , or any credit whatsoever as…
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Balance reporting
I have a question regarding the 'balance' amount shown at the top of the columns in credit card reporting. This is in relation to Experian credit reports. I understand that previous balance is the balance of the last statement. Payment amount is self explanatory. But the balances at the top don't really correspond to…
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Gym Membership - Credit rating and legal issues?
Hi, So i joined a gym seeral months back on a one month renewing contract. (Not tied in for 12 months basically). The deal works that i dont pay until the date set, so 25th i think my payments go out, even though i may have signed up 10th for example. Problem came when i decided to cancel to save money, as i went for a few…
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Entered onto wrong payment plan with capital one and auto defaulted
Hello, A while back I was clawing myself out of debt, and im glad to say im now debt free apart from monthly living. Anyhow I had a capital one account and I was 1 payment late so I called them and a payment plan was put in place. No different options were discussed. When the form came i filled it in and returned it. I…
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Poor Credit Score due to Mis-issued debt
We've just resolved an issue with regards to a bad debt with Scottish Power. A couple of years ago, we had a knock on the door saying that we owed them in the region of £500 on our energy bills. This came as quite a shock to us as this was actually the first we knew of this. After much argument, it was decided that we have…
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Not showing on electoral roll even though im registered
I've lived at the same address for over 10 years and as far as i'm aware always been on the electoral roll- always been able to vote etc. I've just this month looked at my credit files that say i was registered at the address till 2013 but no longer. I've re-registered online and was informed there's no need to as i'm…
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experian £2 stat report and 30 day trial discrepancies
Hi, In July this year i got a free trial with experian. This month i requested a £2 statutory report. Theres one account showing on the full report from the trial that isnt on the £2 report. Any one know why?
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Credit Cards - Best to Cancel or Keep?
I have got 3 credit cards which are all paid off no balances, one has a limit of £10,200, one £3,400 and one £1200. I am hoping to purchase a new house next year and I am wondering what will have the best impact on my credit rating - cancelling these cards, or having them still open with a zero balance. Can anyone advise?…
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Argos Store Card will not let go....
Hi, I have an old Argos store card account that I closed a year ago (confirmed in writing), but somehow it manages to re-activate and is showing a zero balance. I have written to Argos card services 3 times now, and each time they have apologised and promised to update account status as settled, but then a few months…
