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Clearscore / Noodle 95% approved
I am looking for a new, lower rate interest credit card for someone as gradually rebuilding their credit. Previously bankruptcy now fallen off, along with defaulted accounts. They have held a Capital One Card for the last 12 months and have paid in full each month. They also have a catalogue account which again is paid off…
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Argos Store Card (Not Argos Credit Card) - Good way to build credit score?
Hi guys, this is my first post! Cutting to the chase, I am 21 and I am new to the world of credit. I have a credit rating of 3/5 on Noddle, which is basically an average rating because I pretty much don't have much of a credit history other than a mobile phone contract that I once had. Thusly, I want to begin building my…
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Credit Card Closed due to RAC taking unauthorised payment
Hi, I've hit a bit of a major issue due to RAC and looking for a bit of advice on how to fix the mess i'm in... Basically I returned to being a full time mature student last September. Just before starting my course, I got a renewal reminder from the RAC saying they were about to take payment to renew my subscription…
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Trying so hard to clear debt and being penalised
Hi All, So this year I decided I want to buy a house. I've been trying desperately to save, and clear off my loans and CC. All is going well. However my credit score seems to be dropping, monthly. why is this? ps to edit I had two credit cards (now one) and one loan over five years (originally i had 4 years left in…
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CCJ in parents name
Looked at my Experian today i do every week and saw i had a CCJ put on there dated Jun 2016. It is in my mothers name and thought that very strange even though we live together we are not financially linked. The source is the Registry trust so i checked their website for my name and nothing came up, checked for my mothers…
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Good credit score and report but turned down for MBNA credit card?
First timer hoping that someone can help. I applied for an MBNA All Round Card (balance transfer and payment) and was unexpectedly turned down. My Experian score is 996 with no 0 score factors and Equifax is 509 (37% credit utilisation, good repayment conduct but 3 credit searches in last 12 months). I applied for a First…
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Lloyds credit card from years ago suddenly reappeared?
Good afternoon everyone, I am currently in the process of going through a mortgage application, so I am keeping an eye on everything credit / expenditure related at the moment, I logged into the MSE credit report today for this months update, and I have noticed a Lloyds Credit Card appearing which I paid off in 2013. It…
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Full Balance Paid - still default
Hello, I paid the full balance off of a debt but when I check my credit report it shows as default/ended - and shows as red on the MSE credit report. I paid it off 2 months ago. It's also not showing as a closed account. Why is it still showing as red when it's been fully paid off? is this normal?
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Six years expiry of unpaid default approaching - Should I pay?
Hello, Hoping someone could take a moment of their time to help me, would be much appreciated. I have a default of around £2000 from a bank - which was then passed over to a debt collection agency. (Student debt & I have never made any payments and have been living abroad for some time, however plan to return to the UK) In…
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MSE Credit Club // Tesco Foundation
MSE Credit Clubs shows Tesco Card as being ok for bankruptcies. Tesco Bank have told me several times that I won't get it "because [I was] bankrupt not long ago". This was almost 3 years ago. I even appealed, and was declined. So.... 1 - Does anyone have any experience of this card after bankruptcy. If so, how long did you…
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Pay it all of or leave some balance -what's best for my credit score?
Hi, I've recently come out of an IVA and want to start rebuilding my credit rating. I signed up for a credit card and have been accepted, and my SO and I have agreed that we'll use it to have a positive impact on our credit (not for lavish spending beyond our means - learnt that lesson!) To increase my score as quickly and…
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Defaulted bank account - no idea why
A quick query if anyone can help. I've had a credit check carried out by the local police for voluntary work with them, and they said I had a defaulted bank account - this was news to me! It's taken me some time to access details of my credit report as for some reason Experian wasn't giving me access, I went via Clear…
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Another ccj help required
Hi just joined need a little help with ccj Ive separated from my ex wife 5 years ago and out of my own spite and the depression and being sectioned under mental health act i ignored almost all the debt letters as it made me ill looking at anything to do with her and one of debt letter from lowell never stated who it was…
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Checking my credit file
Someone on a different thread on mse has recommended i use a credit reference agency to manage my debts, Firstly i cant afford to pay for such a service. secondly i distrust free services because they may charge later or have some ulterior motive for giving away a service with a £15 a month value elsewhere iyswim thirdly i…
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Forgot one credit card payment - massive hit to credit score
I, stupidly, made a mistake in thinking that I had made an online credit card payment from my bank to my credit card when in fact the payment had not been made correctly. The credit card company, Post Office Credit Card, recorded a later payment against my credit account which has taken a massive hit of nearly 90 points as…
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0% cash transfer
I currently have the maximum credit score and don't want to lose it. However, I have the possibility of transferring cash from a 0% card to my bank account, which would be very useful right now. Does anyone know how this would affect my credit score?
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Name change.
I take it if you change your name you just nominate all the relevent people and your credit file updates accordingly?
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Capquest added a false account to my credit file.
I couple of months ago I received a letter from a company called Capquest, they stated that they had bought a debt I owe from Home Shopping Direct, the amount was £2611.25. I called them to explain that I had never had an account with a mail order company and apart from a mortgage which is now paid off, I have never had…
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EE credit check
I hope I am in the right place Hi I have been on contract with EE since 1995 and never missed a payment But in 2014 I had a major accident and haven't worked since,my mortgage went in to default and a loan also I sold my house and paid the mortgage off in full with the remaining cash I had after purchasing a new home. The…
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Electorial register & declined for mobile contract!! Not my fault.
Hi all, On 20.03.17 I attempted gain a new mobile phone via mobiles.co.uk for a new iphone 7 with o2. I was not aware that a credit check would be required using o2 held records, one of which is my address. The address o2 held was my previous address (wrong address), so the first credit check failed. I was then instructed…
