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Too many credit applications
I have just had my MSE Credit Club profile updated and my credit applications status has been downgraded from a green happy face to a yellow glum face. The narrative includes the following statement. "Too many credit applications in a short space of time can make it look like you're desperate for cash. You've made a few…
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Incorrect defaults on my file
Hi all, I'm after a bit of advice from you superstars. I'm 23 and from the age of 18 I've had my challenges with payday loans as I have never been accepted by a high street lender. I've learnt to live with a "very poor" credit rating as I thought it was down to the number of loans I've had. Bearing in mind I haven't really…
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Promo marker
I have a 0% money transfer but I don't see a promo marker on the entry on the credit report. How will other lenders know that the reason I am carrying a balance and making minimum payments is because its at 0% for 30 months and not that I'm struggling with debt?
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Effect of MSE eligibility check?
Hi I recently did eligibility check for loans on MSE as I read that this would not affect my credit rating. I have now received this message from Equifax HDD-PRICE COMPARISON-BARCLAYCARD , a Credit Broker company, has made an inquiry against your credit report on 04/02/2017 . If you were not aware of or did not consent to…
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Previous House Owner not Changing address -Credit File issues
Hi All, I have a problem in that I purchased my present house 2 years back and yet keep getting letters from Inland Revenue with the details of tax to be paid and other letters from Creditors including mobile phone companies and loans which were taken out by the previous resident. I am getting concerned that these will…
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Removing CCJ placed in error...
I have 3 CCJ's registered with Northampton CC that are currently showing only on my Callcredit credit file, not anywhere else. Now I was declared bankrupt in December 2010, and these 3 CCJ's or the creditor that placed them were INCLUDED in my bankruptcy, so shouldn't have been registered as CCJ's. They were also…
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Can I find out which company acquired CCJs against me?
I recently tried to open a new bank account - just a standard account with no overdraft or benefits and was shocked at being refused this. I decided to check my credit file for the first time via checkmyfile and discovered I have 2 CCJs issued against me!?!?! One of them was issued 5 years ago and the other one was issued…
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good eligibilty not getting accepted?
hi, i have done two eligibility checks one on here, and two with the higher % companies on their website, but have been declined. They were in the Highly Likely category. Does any one know why this may be?:mad:
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Mortgage Application worries
Hi All! Brand new member here just looking to gain some info on what to expect. I currently have a mortgage with NatWest but currently looking to move house and staying with NatWest. We have had an offer in principal of all the money we need which is good but not taking it as a guarantee. Me and My wife went to the bank to…
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does a month change anything??
Denied a DIP for a mortgage from Skipton last month. Checked noddle (callcredit) and it's not showing payment history for credit cards since November 2016? One card is paid off in full, we done that at start of January and there's 2 late payments which are 6 months old. (My husband worked on wind farms as a contractor and…
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credit report
If I sign up to one of the 3 credit report websites and try and get a credit report, does that affect my credit rating or have any sort of effect on the report to the negative consequence?
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Address links
Hi I hope this is this correct place for this question ! I see a lot of different answers regarding linked addresses! Equifax says they are never removed, Experian say 6-8 years ? So what happens do they automatically get removed or should I ask ? And when do creditors stop looking at linked addresses ? Is it 6 years ?…
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Exceeding Remit
I know a lot of people will disagree with me but I have a problem with the Credit Reference Agencies. I was reading on the ICO site how they hold data "on most adults in the UK" and that would be fine for adults that want to apply for credit but after reading online it seems that the CRA's have far exceeded their remit and…
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Disabled
Hi there, according to experian my credit report is excellent but It also has me as having little chance of credit because I'm ' unemployed '. I am not, I'm disabled due to damage caused by cancer. Is there any way I can stop being labelled unemployed? Thanks for any advice
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Unused Current Accounts
Hi, I recently checked my credit report with Checkmyfile and found it shows two active current accounts which I haven't used nor even had access to since about 2012. One of these accounts has a £5000 overdraft limit, which I consider to be very large. This constitutes the majority of my 'available' credit - the rest being…
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MP demands action over contactless card security flaw
Senior Labour MP Rachel Reeves cited MSE's case study in Parliament...Read the full story: 'MP demands action over contactless card security flaw' Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum? Intro Guide.
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Feeling fed up....
Hi, Newbie here so apologies if I'm in the wrong place. I'm feeling well and truly fed up and disheartened at the moment. I'm in debt through my own carelessness but trying really hard to sort it out. I am Currently in a DMP with Stepchange and there are 3 debts involved. The first 6 months of the DMP were token payments…
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Building credit.
Hi all, I'm looking to improve my credit score in as short a time as possible...obviously. I have just acquired a new credit card and want to know the best way to build my score? I was planning on purchasing 1 item a month for example but should I go home and pay it off straight away online or let the credit card company…
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Paying off credit cards - close account or keep open?
Hi I have suddenly found myself in a position where I am able to clear all my debt and plan to spend the next year slowly building my already above average credit score. I have a loan which I'm going to pay off and two credit cards which I can clear the balances of. Is it better for my credit score to close the accounts…
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getting a better credit history
hi all , I could do with some help in getting my credit score up. I have been rather relaxed about bills and payments well always which has caused me to have a low score but the last 6 years has actually been a lot better :) that being said I've been working on my credit score and have gone from 270 to 440 in a year. This…
