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Clear score 'updates'
In between my monthly report I'm being sent emails telling me there is an update on my report. I log in and nothing has changed. Anyone else had this? I wonder if its a marketing thing to get you to log in more frequently and take up a credit card or loan?
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Drydensfairfax Solicitors Unfair Default
Can anyone help. I am having problems with Max Recovery Limited and need some advice. According to recent correspondence, Max Recovery are saying that "the date of this agreement/the first movement on this account was 08/12/2011". This date, I believe is incorrect. The account, on that date, was still with MBNA. Secondly,…
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Information missing
Hi, I just wondered if anyone could help me, i went onto clearscore and credit expert this morning to check a few things and my recent address has disappeared and also my catalogue credit accounts? Neither makes sense as i'm on the electoral roll at my current address and it was updated, and also my catalogue accounts are…
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Question About Experian Entry
Good Morning I have been working hard to improve my credit score following a period of financial difficulty, with a view to getting a mortgage in the next few years. I cleared most of my old debts and set up a payment plan for a defaulted account with Welsh Water. I owed them £900 and agreed a monthly direct debit amount…
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Error showing on my clearscore report:
I have signed up to clearscore - and have a static 537 score. I recently got turned down for an account at the Nationwide, which I just didn't understand, but it was only for an additional interest bearing current account, so I didn't pursue it. This morning I have taken the time to go through what small detail Clearscore…
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Clearscore information disappeared!
Hi, A couple of months ago everything disappeared from my Clearscore account- literally everything including my current account, mortgage etc. Just wondering if anyone would know why or more importantly if it matters? I am currently on a DMP so definitely not looking to get credit any time soon so I'm inclined not to do…
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How long does it take for APS' CreditBuilder to enable?
Hi, I think I had this card about 3 or 4 months ago and I still can't enable the CreditBuilder which is the main reason why I got it. Tried ringing them a few times but Customer Service said they can't overwrite the eligibility criteria and it seems to be random from what I can see of it. Anyone got any idea how long it…
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AP markers
I have x3 AP (arrangement to pay) markers on my credit history. Chances of being approved for a mortgage any time soon? It's something I read conflicting advice on. I know that the markers are akin to default and have heard it said no chance until they drop off after 6 years (3-4 years to go for that to happen). On the…
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Direct Debt missed not enough money in account, what happens now?
I was supposed to pay Virgin Media Direct Debit on the 8th. But there was not enough money in the account. I thought there was £3 more in the account than there actually was. Anyway, today I login to bank account (Co Operative Bank) and find that it is not overdrawn. And no money has been taken by Virgin Media. Although it…
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Cancellation Charges
Hi all, I am a long term observer of this site and in general, having managed to sort out a lot of issues with searches on this forum. I am now in a little bit of a pickle. Not naming any names but I am being threatened with a private debt collection agency in regard to a cancellation fee on terms and conditions that I…
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I've checked out my credit score on experian
It came up as 940. I'm assuming this is a good score, I'm very interested in getting a mortgage in the very near future so it's important I know how well I am scoring.
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Credit score and savings help please
Hello all, I hope you can help with a couple of questions i have: I recently had a remortgage application that failed to be completed as my broker made an error and applied for the product too early. (I would have accrued an early repayment charge from my existing mortgage company if the application had been processed) The…
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CCJ help please
I have googled till I'm blue in the face so forgive me if this question is simple. I have a CCJ that is due to come off next October. My credit is very poor (apparently). I keep all payments up to date (all my credit agreements are green) and the only other thing that is affecting me is that I don't have much available…
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Shop Direct not defaulted an account
Hi, I'm just checking Noddle online and everything seems to be OK except Shop Direct who have Arrangement to pay and then about 4 red markers showing payment 6 months late - they have been receiving £1 Token payments from Stepchange for the last 15 months - can I request a defaults back dated? Thanks
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My property addressed being misused possible credit fraud.
Hi. So I have a flat and have been here for several years and know the ownership of both my flat and the one upstairs going back more than a decade. Recently I started receiving correctly addressed bills to someone I have never heard of (mobile phone bills) I simply marked them not known at this address and dropped them at…
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Linked Addresses
An address which I am moving into next month is appearing on my credit report as a linked address. I initially inserted it into soft searches as my current address, as that is where I will be living shortly. However, realised I would need to insert my actual current address when making applications. Will the fact that a…
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Facebook grpup
I'm on a Facebook group and theh are all sharing their credit scores. Saying is good or bad. Trying to tell them ignore the score and a lot are just looking at one cra. Also telling them to check history. It's so painful to see that they are hung up on their score.
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8 years AP, no Default Notice, ? CCA
Hi Please could anyone offer advice on the following issue? I have a long standing dispute of 2 accounts since 2009 (entered DMP) with MBNA to Moorgate to currently with Idem totalling approx £4000. Over the years I've missed about 9 payments. Ive SAR'd all and got some info but not all. None have thus far issued a formal…
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Experian change of details
Hi all, Just logged into my account to see my current address is incorrect. I've changed it to my correct one now, any idea how long it takes? My old address is still showing as my current. Thank you.
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Am I likely to be accepted for two different type credit cards from one lender?
Hi, I need to apply for both a low % spending credit card and a % balance credit card. Using the MSE soft search my chances of being accepted both lie with the same lender, tesco. I have just applied for the low % spending CC & am awaiting their response (5 working days). The soft search for the % balance transfer card…
