-
Anyone with a First Direct joint current account?
Just a quick question for anyone with a joint current account with first direct. Does the joint account show on both of your credit files? The account does not show on my partners credit file and FD were a pain when we switched accounts. History of what happened... Although we switched a joint account to them, they…
-
Quickquid updating CRAs
Hi, I've just had my monthly MSE credit club credit report produced today. I made the final payment on my Quickquid loan at the end of March and my understanding is they have up to 45 days to update the CRAs with this information? It has now been over 50 days. Is this common of them? On all 3 CRAs for my May reports show…
-
Best way to build credit when you cant get it?
Recently I took out payday loans, changed bank account and my DDs werent moved over as promised so I missed payments and my score has dropped from low to very low. I cant get a card like a vanquis card my score is that bad... Whats the best way for me to start building it besides paying off the loans i have? Are the credit…
-
MSE own credit club vs paid for experien?
Ok so wondering whether I am worth cancelling my paid for Experian service or stick with MSE club? What’s the difference?
-
Credit rating dropped 132 points
I usually check my credit rating every so often, last time I checked was around the end of March and it was still at 999 on Experian, yesterday I decided to pay off a finance loan in full under the loan agreement, (buy now pay 9 months later) I then checked my credit rating and it had dropped to 857, which I don't quite…
-
The impact of defaults and repaying
I'm in the process of finally sorting out my credit file and repaying old debts can have a few questions. 1) I understand if debts are 6 years old (eg from a default) they become 'statute barred'. I have having been paying them off now for a year and so and have made payments every few months. Will this push back the 6…
-
The credit scores your lender can see
While the sentiment is in the right place, I thought I'd try to straighten out some facts with credit scores (and hopefully not cause too much confusion!) Yes, lenders can see scores produced by credit reference agencies. All three provide generic credit scores - Experian name their scores Delphi, Call Credit have Gauge,…
-
Credit Card building - Explain to me like I'm 6
Hi there, Sorry if this has been posted a million times but I'm still really confused. I'm looking to venture down the credit card road in order to build my credit, I'm looking to buy a house soon and I know a good score is paramount when applying for a mortgage, but I really don't understand what they best option is for…
-
Refused mobile contract
Afternoon all, Been meaning to jump on MSE at some point as I always end up here when looking for info online! :) Apologies in advance for the essay below! Ok so I'm late 20's and up until recently I've not once had a problem with credit. - None of the bad stuff (CCJs etc). - I've got a loan for my car which has never…
-
Credit file and GDPR
Quick question, Under the new GDPR regulations, specifically Art. 17 GDPR Right to erasure (‘right to be forgotten’). would that allow consumers to wipe their historical dataset contained by Experian and alike considering there seems no overwhelming public interest reason to keep it since the agency is, after all, a…
-
Credit score after loan end
Hi all first post on here and after a bit of help. Two points... I've just completed the final instalment of a 36 month loan with Clydesdale bank. I've had no missed payments or defaults in that time. Am i likely to see a jump or fall in credit score when the loan is shown as 'settled' on my credit report? This will effect…
-
end of my tether...
Some weeks ago I spoke to my bank regarding an incident in one of their branches and the Regional Director was kind enough to investigate and recommend a course of action for the staff member concerned. This is not the first time I've been roughly treated in my local branch, I had the same approach by another member of…
-
What can bank staff see about your credit report
Hi just looking for a bit of help. I'm curious to what the bank advisor see's when completing a credit check? Not the lender as a whole just the person you speak to in the bank. Do they just see that if you have failed/passed or do they see more information such as credit cards ect Thanks
-
CCJ Removal
Hi all, I recently had a CCJ put on my file, I paid it off today. I know it’s possible to get it removed if you pay within 30 days. Unfortunately it’s been 40 days since I got it, so I’m 10 days late. Is it possible to still get it removed? Or am I going to be stuck with this on my file for the next 6 years? Thanks for any…
-
Barclaycard Incorrectly Updating Credit File
Hi, Long time lurker first time poster... I'm hoping someone can advise please. I was in an accident around 4 years ago the carry on from which meant I defaulted on around 4 accounts with different companies. During this time I have made no payment or agreements with any of them. I am finally in a position where I can…
-
Wrongly attributed credit score
My son has a bad credit score which he paid when he said he would. The debt was £450 which he owed to Santader, he now has a very bad credit rating which is stopping him applying for credit. What are the procedures for appealing against a wrongly attributed credit score?
-
CreditExpert (Experian) vs ClearScore (Equifax) "Credit Score"
Hi guys, I understand that these two companies score things differently, but I'm sitting with scores of 994 out of 999 for Experian and 512 (out of roughly 750 at a guess as it is not clear) for Equifax. Nothing has changed recently so it cannot be a timing issue. Any thoughts on why they would be so dramatically…
-
Clearscore Financial Connection
I have an incorrect financial connection on Clearscore. It doesn't appear on Experian and Noddle. I wrote to Equifax using their form. They wrote back and told me to contact Clearscore. I can't contact Clearscore because their daft FAQs say you have to fill in a dispute form which I cannot locate anywhere on their website:…
-
dad died leaving CCJ's, Mum never knew
Hi, What will happen to my Mum as Dad has died leaving CCJ's. His name is still on her credit file too. Is Mum responsible for these CCJ's? They are much older than 6 years. I know that on some of them he put my Mum's name down. It's a mess....any help or advice appreciated, thanks.
-
ccj recorded at address
Hi, I have a CCJ registered against me jan 2017 at an address which i have NOT lived at since 2009. I have since sold the property 6 months later the same year. When i check my credit report with one of the agencies the linked address shows but no CCJ. I check the local court record and it has been registered 2017. My…
