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Fraudulent credit applications
Hi there, I've recently (Friday) been the victim of credit card fraud - which has been thankfully caught by the card company. I thought that was all there was to it until I got a pin number through for a credit card I didn't order. I rang that company and they will get back to me once their fraud department opens tomorrow.…
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Barclaycard Platinum 0% int 25 months, 0% fee.
Hi Just a quick note to warn others about applying for this card. My husband applied for this card, as we have another credit card due to finish its 0% interest soon and for just over £1500 debt, we thought this would be a good choice. Plus it also has 6 months 0% spending. We only have our current credit card to give us…
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No credit info on ClearScore
Hi there, Posting on behalf of my partner. We have a joint mortgage together and two joint current accounts. Both the mortgage and current accounts appear on my credit file on ClearScore, however for some reason they aren't on his. In fact, all his credit information is missing apart from his phone contract with EE. We…
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Debt Collection Agency
Hi, I'm getting texts and voice mails from a debt collection agency for a person I've never heard of. I've had trouble with this kind of thing before where I've been hounded for debt which isn't mine so I'm keen to get rid of these people so I've contacted the company and they are saying they cannot remove my details from…
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Closed an account and im under 18.
Hi everyone, just want some confirmation here. So I've closed an old bank account and I didn't have it open very long, but im under 18 so I'm going to assume this won't go on my credit file/credit score when i turn 18????
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Inclusion on the Open Register
in order to obtain credit on good terms, it's accepted that it's important to be included on the Electoral Role. but what about inclusion on the Open Register? is there any downside to removing ourselves from the Open Register?
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CCJ/Defaults - discuss?
I'm just curious, i've had CCJ myself which stayed on my record for 6 years and i've recently escaped one that hadn't i noticed last minute going onto my credit report i'd be back in the 6 year cycle. However... my question really is; is 6 years just too long? I found my very first experience at a young age punishing, i…
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CCJ/Default after 6 years is up
Good morning :) I currently have three CCJs/defaults on my credit file. One is due to reach its 6 year anniversary in a few months time. The balance won't be paid by then (I am still making the agreed monthly payments, and obviously will do until the balance is cleared) so will it be re-registered and the 6 years…
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On Equifax: address reporting to "another" address but with banks the address is correct
Hi Guys, So following a change in addresses with my banks, my ClearScore has stopped reporting back my Current Accounts. One month Bank Account 1 disappeared, the next month Bank Account 2 did the same. I got in touch with Equifax directly as they are data providers for ClearScore and after a few exchanges of emails I have…
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selling debts
when a debt is "sold" to lowels etc , is there a time limit in which you should be told , what paperwork should you receive , and from who this is in relation to an ongoing fiasco with eon
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how long should this take
ive asked on the house buying board and two lovely people took the time to answer, but I wondered if I might get a more in depth response if this is the more appropriate place? I'm selling my house. my buyer has hit a snag with their address on their credit file, so mortgage turned down. They live in flat 2 50 somewhere…
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Duration between applying for c/cards
Good afternoon, This is my first time on here so please be gentle!! :) Just had a credit card decline my application, so what I would like to know is how long I can leave it before I can apply for another card as I have heard that applying to many times in a short space of time can wreck credit scores etc??? Thanks in…
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Creditexpert subscription rising 50%!
I've had a Creditexpert subscription for several years, but I've just received an email saying that as of next month it's rising from £9.99 a month to £14.99! I do find the credit search notifications and the anti fraud features useful, but a massive rise like this sticks in the craw. What are others thoughts? I assume…
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Credit rating issues
Good morning, this is my first post. I earn above average wages and after checking my credit files I am struggling to understand why I get flat refusals on everything such as small loans and credit cards. Even my bank won’t lend to me after years of custom. I was wondering if there is something that I can’t see on my…
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Default - Can I dispute
I wanted to find out if I can dispute a default that’s going to be added onto my credit file. It’s for a loan and I have missed payments due to being in hospital for a few months. They loan provider was informed and made out it was ok a hold would be put on but since coming out I’ve seen threatening letters from them which…
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Credit Help
Hi, First time using this site, ~ Recently i have tried to get a Credit Check, from various sites and refused by all and only allowed credit check sent to me via post that didn't give me any information on who i actually owe money to and when i asked why, i was told that they don't actually know because they're not told…
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Noddle
I checked my Noddle report today and see now they update every seven days rather then on a monthly basis. Apologies if already documented on site.
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Vanquis Default
Hello, I had a default from Vanquis back in 2012, however upon checking my credit file, the default date seems to have changed to 2014. The debt was with hoist, who bought the debt. I spoke to hoist who say it’s vanquis who need to change the default date. Hoist have received a reply from Vanquis about it. Vanquis have…
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Credit file when accounts are sold on
Hi When a company sells the debt to another company (legally assigned) should the balance on the account be zero'd on the credit file. I noticed on mine it was Zero'd down when it was sold (after defaulted etc) But two others have not been and the balance is still showing Which is correct?
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Loan no longer updating on my credit file...
I took out a loan with MoneyWay back in 2014 back at a time where I couldn't get credit. Since then, I've lived with my choice and have always made the repayments. I got a letter from them earlier this year to say that my loan would be moving across to Alpha Credit Solutions 8 and nothing would change. Fine I thought. My…
