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Fraudulent Lending Stream account affecting credit score
There's a Lending Stream account that definitely isn't mine showing up on my Noddle credit report. It's adversely affecting my credit score. After contacting LS about it, they agreed it was fraudulent, but won't disassociate it from me without a crime reference number. They told me to report it to Action Fraud, who would…
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Barclays account still linked to me after 8 years!
Hi everyone, I need some advice from those wiser than me. This weekend I happened to look at my credit file with CallCredit. It's been as long as I can remember since I looked at it (daft, I know) and thought it would be worth it to see what I could improve etc. When I did look I noticed I still had an open and active…
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Credit club/experian soft search
today I have done 3 soft searches for loans using MSE soft search on the website, MSE credit club and also experian On MSE the best I could get was 60% with tesco bank, MSE Credit Club was 40%, yet on experian, they gave me 0% chance for acceptance with tesco I don't get it because the search was the same, and I thought…
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Problem With Credit Club
I've used Credit Club almost since it started and had no problems, nor with using Experian separately when getting a credit report. For the last few months however when I get an email saying your new thing is ready and I log in, there are no recommendations for credit cards 'N/A' and when I look at the credit file section…
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Help!
Frustrated - Signed up for the "Credit Club" , after sifting through the usual apps, e.g; "Clear Score", I am trying to improve my credit rating after an ex partner financially abusing me and applying for a number of things in my name. I have worked to pay any debt off, and this is reflected on my credit file, there are no…
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Notice of Dissociation
Hi everyone, I had a joint mortgage and joint bank account with someone back in 2011. We no longer speak and I would like all traces of them removed from my credit file. I had assumed that if the association hadn't been confirmed in the last 6 years then it would drop off my file automatically, but this hasn't been the…
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Equinox errors - is it just me
Equifax errors - oops it's me! Hi! I'm really concerned by my recent dealings with Equifax. I applied for statutory report a few months ago. I received a report with my middle name as my surname and the report seemed to be a 1/3 of the length of previous ones. I wrote a complaint and then heard nothing until a second…
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CIFAS Marker and Emigrating
Hi Long story short I have a cat 6 CIFAS marker. I was just wondering would this have an effect if I was to emigrate in the future? Thanks in advance.
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Bank account closed got cifas 6 marker
Hello, i am new here so i will try to be very short. I have read most of the threads and still need help!!!. I had lloyds current account for 10 years. On 30th of june 2018 the person i work for transferred £4000 into my account. He had my bank details as he used to send me my wages. Ok so he didnt inform me that day l but…
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Life insurance, credit cards and financial association?
Hi everyone I'm hoping someone can give me some advice. I'd like to sort out term life insurance coverage for my partner, as we recently had a child together. Problem is, she is going through the bankruptcy process at the moment. Presently I have a good credit rating and there are no financial associations between me and…
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Equifax cannot identify me
Hello, I've moved to the UK 13 months ago. My current account is 12 mo old, and does show on Equifax. I also have a 11 old broadband account (which only shows on Equifax), and 2 small credit building loans (cashplus and credit improver), which also shows on Equifax. I am on the Electoral Roll since Sept 2017, and been on…
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can anyone offer me advice please
hi everyone I'm new here and looking for a bit of advice because I don't really know what to do next. February 2017 I moved out of my property with my 2 children my ex partner continues to live there. all the bills were in my name and paid by me, I contacted each company and either changed my address (phone contracts ect)…
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Credit Check Search History impacting my score
Hi All I have no bad debt and no missed payments £3k On credit card £6k Loan £22k on car finance I'm on a salary of £54k my credit score is only 548 on noddle??? The only thing i can think is the amount of stuff in my credit search history Since 1st March 2018 i have the following searches Admin Review x7 General Insurance…
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Will this negatively affect my mortgage application?
I used to live in a house that I own and have a mortgage on but I recently changed jobs and moved to London. As a result I moved out of my house and rented that out, and I am currently renting privately in London. I plan on buying a flat in the next 6 months. When I moved out of my house, I changed my bank address, etc to…
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Credit file, IVA & GDPR SAR
Hi all, I came out of an Iva three years ago and am nicely building my credit score back up. Problem is I have one creditor who won’t remove the now settled account from my credit file. I’ve spoken with them and they claim to have never received the certificate of satisfaction from my Iva practitioner. In addition they are…
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Credit Club pre approval for credit card, back fired.
Hey so I used the MSE Credit Club membership to work on my credit score. I don't have any bad debt or anything like that, but I've never really borrowed money or had credit cards, and I don't have a mortgage or a car to insure.. so I don't have that much good credit either. I used the Wallet workout gizmo and it came up…
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Qdr solicitors
Hi, not sure which section this fitted into best but I guess it could impact me credit rating if I actually have a debt! Recently I have been contacted by a company called QDR Solicitors. The first time was about 4 weeks ago with a call to my mobile phone and the second time today by text to the same mobile. Until I…
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Getting my UK credit report from abroad
Hi, I am living in Spain and I want to get my UK credit report but am having difficulties setting anything up because it won't let me put my Spanish address in. Any idea what I can do? Many thanks
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Cancelling a CCJ
Hello there, I had a few questions about receiving a county court judgement at a small claims court, and the cancellation of the judgement - if anyone could help me that would be great. I am of the understanding that if I pay off the debt within a month the CCJ will not appear on my credit file and will be cancelled - does…
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Can utilities report to CRAs without a credit agreement?
I just discovered that a certain utility company has reported defaults on my account to Equifax. This was quite a shock, as I had no idea they even reported to CRAs. But heres the rub - I don't see how I ever entered into a credit agreement with them. Yes, I know that a credit agreement is mandatory for new customers, but:…
