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Please help?
Welll got a email today from the credit club here on mse, so i just go to check quickly and noticed a missed payment apparently for electric from NPOWER. Not sure what to do as it gets paid by direct debit and they still haven't took it i was on there live chat a few days ago and they said it would get took on or around…
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Ccj advice
Hi, I'm plan to apply for a mortgage. I currently have one CCJ on my credit file. I keep reading that this falls off the register after 6yrs However I'm being told by credit report agencies that ccj's remain on file if unpaid even after 6 years and that it is permanently removed after 6 years only if settled, is this true?…
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Default for water bill on an old address
I used to share a rented house with other people. The water bill was in my name and one other. I had my name removed when I left (or so I thought). My credit report has just shown a default for the water company at that address for last month. What can I do about this? Can I get the default removed? Southern water are…
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Repossession and credit file advise please
Hello I need some advise please I had a mortgage with an ex partner Due to the abuse I received from him for my safety I had to leave our home, after months of trying to get him to sell & him refusing saying he would live there and pay the mortgage ect, he ended up getting into arrears, I tried to start to force sale, but…
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Notice of Enforcement received for CCJ I wasn't even aware of - HELP!!!
I really need some advice I'm planning on going to CAB first thing monday morning but I'm seriously stressed about this somebody please help.. So in August 2015 my husband (OH) had a car accident. The third party signalled to turn into the road we were coming out of but didn't turn and my husband drove into him. OH didn't…
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Minimum payment showing on report
Hi I checked Clearscore.com for my credit report today. No change to the score but I was surprised to see a minimum payment flagged 2 months ago. I've just checked my credit card transactions and found that I indeed paid £4.90 that month. But that was because it was the entire balance, so also the minimum payment. Should…
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CCJ - Better to pay off in full or bolster savings?
Hi! I have a 4 year old CCJ for £4k which I currently pay off at a rate of £5 a week, I know this isn't much but its the best I can do at the moment and would rather be consistent! With this in mind, knowing that my credit should improve once the ccj comes off my credit file in 2 years i'm saving for a mortgage. I have 5k…
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4 Year old CCJ
Hi! I have a 4 year old CCJ for £4350 which I have paid off £5 a week since the moment I got it. However my credit score has not budged in the last two years that I have been checking it, I get the odd month where it increases a few points but nothing drastic. Will it be the full 6 years before I see any massive…
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Satsuma Loans
Hi, does anyone know if a 12 month Satsuma loan can damage your credit rating even more than a normal lender ? Is it still classed as payday loan even though it is over a 12 month period ?
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Living at two different addresses. Does it impact applications for credit?
I live and receive correspondence at both addresses. Evidently, you can't put two addresses on the roll, I was wondering if it impacts any applications for credit if your address on the application is different to the one on the roll?
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Default on account that Creditors deny putting on
Wondered if anyone can help me with this. I've been in a DMP since early 2013, most of my creditors defaulted me within 12 months. I'm still in my DMP but am hoping to offering settlements this year. Last year my debt with Barclaycard was sold to Link Financial with a default date of September 2016, as I've been paying…
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British Gas - which credit reference agency?
Hi Does anyone know which CRA British Gas use? equifax, experian or callcredit / noddle? Thank you.
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HSBC credit applications I didn't ask for - how long to get them removed?
I've been keeping a fairly close eye on my credit reports in the run-up to hopefully getting a mortgage but I've recently discovered a series of HSBC hard searches I didn't ask for. Clearly I didn't keep a close enough eye on the searches section until ClearScore flagged up too many credit applications over a short period…
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Effect of Lender freezing interest on credit file
Hello, I really need some advise from people who have had their credit card interest frozen and entered a repayment program directly with the lender. I have never missed any payments so haven't defaulted. But I am in lots of debt and need to get it cleared as it causing me anxiety. So I called MBNA with whom I have 3…
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Thomas Higgins Ltd
Can someone please help or advise me as I'm not sure what to do. I was overpaid by £28.88 when I left a job in December. Stupidly I ignored a request to re pay it. On the 2nd May I received a letter from Thomas Higgins Ltd requesting full payment. On the 10th May I repaid into the previous employers account £28.00 thinking…
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MSE Credit Club
I have just attempted to sign up with MSE credit club in the last few minutes- after 2 attempts it has failed to register me. It's not clear what is causing the issue, I have checked all my details and they are correct. Wanted to take advantage of this facility after paying out for Experian etc last year while attempting…
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MSE Credit Club Overdue
I have noticed over the past few days that my MSE credit club dashboard has not updated. The most recent update was due to have taken place on the 9th May but is still showing the previous update of the 9th April. What is the cause of this ?
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Invisible Accounts
By way of background, I have a current account and a credit card account with the same bank that are both over 40 years old. By virtue of their age neither appear on any of my credit reports with Experian, Equifax or CallCredit. Curiously, I have used my bank account to pay them but still they do not include it on my…
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What's happens to a ccj
Hi everyone I'm going to be paying a ccj of in full on the 19th this will be the deadline for the 1 month rule. Will the ccj be completely removed from my credit without trace or am I just as better off paying it in monthly instalments?? It's only for £430 thanks for any help. I'm not going to pay in full unless it comes…
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Change of Address via Credit Report
I was wondering if anyone knew if there was a way of informing all of your banks and credit card companies that you have changed address via your Credit report? With all the details of your accounts in one place, I just thought it might save a lot of time! Many thanks.
