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Virgin Media Billed Incorrectly
Assuming this is in correct area..whilist its a long winded moan/explanation of whats happend the crux is Virgin have update credit file incorrectly and dont see its an issue. Long angry post but hopefully will make sense. I give notice as im sick of paying £40.10 a month just for Internet...dont use TV and Phone hasnt…
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Default accounts after closed/settled
I like to think I have a pretty good handle on my credit report but am totally perplexed by the latest update to my file. I had two accounts with Three UK (Hutchison 3G) which due to a failing business and an even more failed relationship meant that they went in to arrears about three years ago. After a few months the two…
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Missing info now on CRA reports
So I have accounts with all three free CRAs. Noddle is all up to date with every single correct open and closed accounts. MSE only has my car loan showing, with 5 other open and 30+ closed accounts not showing, even though they have been correct for the last 6 months. Clear score has all live accounts as correct, but not…
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Adding historical addresses to Credit Club Information
I'm probably being very thick, but I can't see how to add historical addresses to my Credit Club information :huh:. There's a box which is entitled 'address history' but the only option is for a current address. I want to add my past addresses in order to see what accounts I held in the 90's in order to make a PPI claim.…
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£12 late fee despite having DD set up!
Every year I purchase a football season ticket via a specialist credit card from Creation, which basically allows me to spread the cost over 12 months interest free. This month the first payment was supposed to be made via DD. It wasn’t. And I have been charged a £12 late payment fee. The DD has been set up for quite some…
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Building Credit Rating
I'm about to purchase an AA membership (breakdown cover). I got thinking about how to pay - monthly or annually ? If I pay monthly will this aid my credit rating with monthly updates? or should I just pay in one go for 12 months and save a little.
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MSE Credit Club affordability
Question on MSE's Credit Club...how does it calculate Affordability? I've come out with a score of 'very weak' for it - despite not being asked for any outgoings other than 'rent/ mortgage', which for me is nothing (I put in 0 ). I get a decent wage, and with income from savings/ shares and partners income included as well…
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Estranged Husband still running up debts-help
My sister’s hubby walked out on her about 6+ years ago after conning her into putting her house (that she owned for 6 years before they met) into joint names by re mortgaging, maxing out her credit cards and getting her to be a guarantor for the HP on his car. Since then somehow he has continued to get credit and the…
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Multiple defaults lodged (wrongly) by EE
I have a perfect payment history on all of my financial obligations. I recently applied for a mortgage to help fund one of my offspring through a four-year research program, but was told by the broker that my credit report excluded me and I was declined. Horrified, I joined Experian (Premium) and got my full credit report…
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Trashing your credit worthiness
Just a thought on this, wrt applying for several forms of credit in a short period of time. Say you apply for a mortgage, loan and credit card in a short period of time, and get approved for all 3, this will trash your credit ability I am sure. Should you then pay these each month for 3 months, would your ability of obtain…
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Previous credit reports and lenders
Hi all At the end of June I'm the final stretch on having defaults removed from my file . My question is though When I log in to my credit file I can see previous reports dating back 6 months obviously still showing the defaults ,Do lenders also see this or can they only access the most up to date file when doing a credit…
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1994 Student Loan - Erudio
I'm hoping to get some advice on a letter I have received from Erudio saying that I owe £1743.03 from a student loan taken out on 26 October 1994. I remember I had to defer the loan for a few years as I was not earning enough money and I think the last contact I had with Student Loans Company would have been around 1997.…
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CCJ - dad has same name
Apologies if this is answered elsewhere. Me and my partner are currently moving from one rented property to another and were just waiting for all of our references to come back. We'd never had any trouble before so were surprised to hear that something had flagged up on my partners credit search. It seems he has a CCJ for…
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Free credit check
I am trying to get my free credit check via this site but when I get to the Experian verification page it asks who my mobile, landline or broadband provider is but mine is not on the options available (BT) Is there a way round this as it wont let me go to next page? Thanks for any replies.
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Credit score & TV/Internet bill in flatmate's name
Hi everyone This is my first post on the forum and I'm hoping someone out there may be able to help me I am now responsible for paying the bills in a flat I share with 2 others. All of the bills have been transferred to my name except our Sky TV/Broadband, this is paid by me but had to remain in a previous flatmate's name…
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Default placed by Lowell - no idea about debt?
Hi all, This weekend i checked my experian credit report after being declined a balance transfer credit card, i already checked my equifax report which showed i had an excellent rating so was confused as to why it was rejected. Anyway, when checking Experian, there was a £205 default from Lowell. I have absolutely no idea…
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Vodafone
I wonder how many threads on here have this title and are absolute nightmare stories? I hope mine turns out not to be. So I had a contract with Vodafone a while ago and as they increased their price above the RPI I was free to leave which I did no problem, I transferred my number to 3 on a rolling contract and have been…
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Vodafone misreporting
I've never had any issues with the information on my credit file, but recently I've realised a Vodafone account closed about 18 months ago is still under open accounts. It first appeared on noddle, but now is on clearscore as well. Row of green circles, zero balance but it is being reported regularly when it shouldn't be.…
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Credit search
Is it standard practice for credit searches done via MSE to appear on your credit file even though MSE say they won't?
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Current account applications' affect on my credit report
Hi all, I made a few current account and savings account applications within the space of a couple of days and some of them have been rejected. After two applications to different banks had been accepted on one day, I continued applying for more current accounts and then I started getting rejections. I got one rejection…
