-
Ccj put on my file without knowing
Hello I recently checked my credit file online to find out I had a ccj put on back in 2016 and I am not sure where it has come from. There is limited information to go off and just states the fine was £200. There is no company information or anything to try and dispute it. I have not had any court summons and I pay all of…
-
Stocks and Shares LISA - Credit Check?
Hi MSE Forum I'm looking to open a stocks and shares LISA. Details about the ISA, open for £1 transfer fee £25 LISA with The Share Centre (I cant include a link as a new user) Opening just to get the clock rolling (the account needs to be active for 12months before I can use it to buy a house). I'll transfer the account to…
-
WARNING! Hard Credit File Search by Barclaycard
This is a warning that Barclaycard promise a free credit card eligibility checker which they promise does not harm your credit file. However, you complete a few simple questions you then click CHECK NOW and a few days later you check your credit file to see they have done a hard search, thanks to this I have now lost 16…
-
Black mark from other bank
So I applied for a current account a few months ago. Card and pin got stolen from my mailbox and they managed to spend about £50 of overdraft before I realised it was stolen. They closed the account because they weren't satisfied that I did my due diligence which worried me but they said I couldn't do anything about it and…
-
Rebuilding credit/life
I have recently moved into a new address. It's a fresh start for myself and daughter. Perhaps I am unrealistic but I'd like to rebuild my credit and possibly get a car (nothing flash just a reliable runaround). I have poor credit I think as I was very mentally unwell around 11 years ago and did some weird things. As a…
-
Ffrees - security breach
Just received this email. Never heard of Ffrees though they seem genuine. Anyone else ? Anything I should do ? Dear xxxxxx Reference A13xxxxxx This email notifies you of an information security incident that may affect you. It tells you what we’re doing in response to the incident, what information may be affected, and…
-
Spend and pay in full vs. paying 0% cards - effect on credit history
Are there any benefits to doing one over the other in regards to improving my credit history? I do currently spend on some of my cards each month and pay them in full, but these are cards I would like to now close down (credit builder cards, which have served their purpose). I have long term 0% balances on 2 other cards…
-
MSE Credit Report - Entry Code
Hello, Can someone tell me what the Entry Codes are? e.g. C6 I went to check to see if a CCJ had been removed - which is has and it has sent my score into fair from poor :) The account I paid off is still showing default despite being paid - it also doesn't say it's closed - is this normal? Another account I have said I…
-
Married name change
I'm sure this must be a question that is asked a lot (and tbh I was expecting a main article on this rather than needing to ask it here!) but I two things have coincided for me recently that I need some advice with: I have got married, and my fixed rate savings accounts are coming to an end. So my question is what effect…
-
adverse credit check for job
Hello I got offered a job today pending a pre employment screening which includes an adverse credit check by Experian. I'm a little bit concerned because my credit score is between very poor and poor on Noddle. I had a default on a mobile phone bill in 2012, it was paid off and satisfied almost straight away but it's still…
-
Ombudsman complaint choice between AP or default.
Hi! I don't post often but I really need some guidance. I've made a complaint to the Ombudsman about Santander and their late registration of a default 2 whole years after I entered a DMP. The ombudsman have said that the default should never had been applied in the first place. Having spoken to the Ombudsman this…
-
Advise on Orange (EE) Default
Hi there, Just really looking for some advise regarding a default placed on to my credit file by Orange (EE) I have only recently started to take note of my credit file, and noticed that I had a default from early 2014 from Orange, with an outstanding debt of a whopping £48.89. I immediately called them and queried this.…
-
Unknown Soft Search
My Experian report is showing a soft search (Identification-Generic Check) from a company that I have never heard of called Lexis Nexis. This company appears to be some sort of online library specialising in legal and accountancy textbooks which offers free trials. I have never had any dealings with this company. I will be…
-
Apply for a debit card again....!
Hi, I applied for a Co-op debit card earlier this year, (Feb I think), as it was the best 'cash back' card at the time. However, I've just seen the new TSB deal of £130 cashback plus other bonuses which I am interested in applying for, but wonder if I do apply for this card so quickly after moving to the Co-op, will it…
-
concerned about credit score
I had an appointment with TSB today to open one of their plus accounts. I wanted to add their interest free credit card to this. I opened the account with no problems but when I tried to apply for the credit card it came up with a referral message. The staff member rang the card company and was told I couldn't have a…
-
Quick one, how diferent is the data held by the 3 agencies?
Just a real quick one, I have checked Call Credit and Equifax to have a look at my history after years of burying my head in the sand. Its surprisingly clear. No CCJs and defaults ready to fall off in the next 12 months. That's it. Now how different would the remaining data be on experian? I have applied for the £2 check…
-
Address not being found when applying for credit files
Hi everyone , was wondering if anybody out there has come across my problem and so how to resolve it? I am in my early fifties, been married and divorced, have kids, have had mortgages etc. etc.. I have recently bought a flat, which is a new conversion of an office block so now have another mortgage (my only one at the…
-
Credit Score Affected - A Cautionary Tale
Hi I just wanted to share with you all my story, as a bit of a warning to others who may be in the same situation. My Experian credit score has always been near-perfect; well within the top 900s. I pay everything on time, I'm on the electoral roll, have a mortgage, etc. Recently, I inherited a sum of money from my…
-
Closing Accounts lowers your credit score?
Hoping someone can help as I am really confused. Last month I had an excellent credit score and recently obtained a decision in principle for a mortgage. After checking my score today it seems as though my score has dropped by 135 points( taking me down to Fair) because my phone contract ended and also my account with…
-
changing banks but no income
I am wanting to change current accounts, but I myself have no income, my wife has pensions, we own our own home, have no debts. I have a mastercard... always paid on time. A saving s account where the £1,000 (or whatever is the amount) into the new account every month. But am worried that my lack of income will muck this…
