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Incorrect financial association
I've just checked my Experian credit report using the MSE Credit Club and discovered that they still have me financially associated with my ex-husband through a joint bank account with Nationwide. We've been separated for 7 years, divorced for 6 years, and are both now re-married. I retained the account after we split and…
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Financial associate
Hi all, im new on here and hoping someone will have an answer to my confusing questions. I’ve recently had a mortgage application declined due to a “3rd party financial institution” not exactly sure what that means but the only thing it can be is financial association to my wife who has a dreadful credit history including…
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British Gas sold set to lowell
Hi, 7 months ago ago we put an offer on our first house and I was advised to check my credit file. To my horror there was a default from British Gas for £2,500 from a 1 bed flat that I had lived in 5 years previously. I was never chased for the debt and am convinced that there was an error. I contacted them and they…
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CCJ Issued to me
Hi, First off sorry if this is in the wrong area! I have been issued with a CCJ and If I choose to pay this off in full I will be left with around £90 for the rest of the month, I work full time and are paying other debts off which have all come out of my account already which is the reason I will be left short, does…
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Should I attempt to change late payments to a default?
I've recently found an account in arrears on my credit report. It shows that my 2nd month of late payment was June 2015 which remained until it hit February 2016 where it incremented to three months of late payments, hitting five months of late payments by April 2016 and reporting five months of late payment every month…
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Removing Payday Loan accounts from Credit reports
Hi, I’m going to begin the process of mortgage applications and other grown up stuff once my credit report is in the good bracket. I have a few queries, sorry if they’ve popped up elsewhere :embarasse I have a single default from o2 which is due to drop off the radar in 18 months. I’m unsure of how much of an impact this…
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Clearing all debt and defaults on report
I have been on a DMP since May 2016. Before I started the DMP I was fully up to date with all payments, so didn’t get defaults on accounts until quite late into the DMP. I’m now in a very lucky position to be able to clear all my debt and have called all creditors to get full and final settlement figures (not partial ones,…
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Credit reference scores - any value to them
My daughter works full time earning £45k pa. She shares a house with her partner & they have 2 children. She has no loans, got a credit card to aid credit history & pays it off every month by direct debit(variable).She is paying off a Student Loan from her salary. She checked her credit rating which was 9.9. She approached…
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Notice of correction removal
I have an old notice of correction on my experian site. I have asked them to remove it and I have been quoted 14 days. How can it take so long?
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Duplicate entry on credit report
On my credit report (through the MSE credit club), there are two entries for my credit card with Lloyds. One is up to date showing 0, and the other line is from 2016 and shows a debt of £150. I raised a query as to why it was there on the report itself, and they told me to go direct to Lloyds. Lloyds have been completely…
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No changes to my financial situation, but credit score went down. Why?
Hi, this is my first post, I'm new to this. Recently I signed up for Credit Club to see my credit score, and in my first report my score was Excellent, nine hundred and sixty something points. Now I got my second report and the score is Good, 913 points. The thing is that there have been no changes to my financial…
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unpaid overdaft effecting credit report
Hi all, I've just discovered through applying for a second mortgage that, Callcredit has a negative report on my file. Equifax & Experian don not have record of an unpaid overdraft, hence why I managed to get a first mortgage. What I have found out from my credit report with Callcredit is that the account was opened in…
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What is better for my credit file?
Hi all, would appreciate some advice. I'm finally in a situation where I have been offered some 0% balance transfer cards and am shifting over some high interest cards. In terms of my credit file is it best to close the old cards or leave them open and unused? I 100% won't be tempted to use them. One card of £2950 limit,…
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Orange default/refusal to remove and mortgage application
First post and a bit of a long one, apologies in advance. Back in October 2012 I called Orange in the last month of a 24 month contract and asked to 'pay it off' and get my PAC code as I was starting a new job and decided that a three phone (with the feel at home use abroad) was better for my needs so I paid the contract…
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How do debts being paid off show on your credit file
May sound like a dumb question but I am paying off some debts which are on my credit file after [finally] doing somehting about them which I accept I should have done some time ago. Payment plans are agreed and inplace with Lowell anbd Caboot, with payments having now started and showing when I check the accounts on their…
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Effects credit score? if pay bulk of month bill leaving min direct debit
Does it effect your credit score if you pay off bulk of monthly bill leaving a minimum direct debit payment ? for example if the bill is £210 and i pay £200 by debit card and pay the £10 left by direct debit Or is it in my interest to let the complete balance be paid by direct debit at monthly bill ? For example if the…
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How do you query something effecting your credit rating?
Hi, I’m new to all this & hoping you can all help me. My partner is separated from his wife & they have nothing joint any more. All bank accounts were closed. They had a bad credit rating when together but he has been trying to make it better which he has been keeping an eye on & it’s been going up. But in the last few…
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Ageing of Default
Hi, A default that I have on my credit file is approaching the two year mark. Does anyone know how much of an impact will this have on my credit score?
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Unknown name on credit report
I checked our credit rating yesterday on Clear Score. Everything is ok (score wise etc) The one concern is that under financial connections there is my wife's name (of course seeing we live together !!!128513;. There's a name that neither of us know of. Nothing as been taken out (cards, mobile phone contract etc) in the…
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Is Three reporting to CRAs?
Hi, I have a sim only plan from Three that's not showing on either my Experian or Equifax report. Does anyone know if they're reporting to CRAs usually? Thank you.
