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Not paying off Credit Card before interest free period runs out!
As i'm sure you can relate, my Credit Card has run away with me this year and despite paying off a large amount each month as a direct debit, i'm not going to be able to pay off the balance before the interest free period runs out. Is this going to affect my credit score? Is it bad on paper that i can't pay it off in time?
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ClearScore Credit - 490. Please help!
I've just taken my ClearScore Credit check and it came in at 490 with the following things listed as things I'm doing good and bad - Things you're doing well * You don't have any court judgements, bankruptcies or Individual Voluntary Arrangements * You have no accounts in default or repossession * You've been on the…
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Credit scoring and balance transfer
Hi I wanted to transfer an £800 balance on my Tesco card as the 0% deal ended two months ago and interest rate is 46%.. I have other cards and very few interest charges but i am starting to panic as I can't seem to get either a card or a loan, apart from Capital One. Clearscore, MSE and Noddle all showed 95% acceptance for…
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Credit Score 0
I went back on to Experian today for the first time in several months and was shocked to see my score as 0. I am not sure how to get out of this or best way of building my credit file up. i have a few defaults on file. Mainly small so i am thinking of paying these off in full. Some only have a year left on. If i pay them…
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Best order to pay off debts
Hi there, I have 4 different debts clear, approximately 1 x £2200, 2 x £1700, and 1 x £1200. All have similar interest rates. Until recently I was only in the position to pay minimum amounts, so the debt has hardly decreased at all. However I can now afford to pay £250-£300 a month towards the debts on top of the minimum…
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Stupid mistake made at 16, now affecting my chances of opening any bank account?
Hello everyone I urgently need advice. I got involved with something called ‘ac scam’ when I was 16, Barclays found out and of course had to close my account. I then changed to Natwest to open a basic account at the same age. Two years later, I opened a current with NatWest, 5 days later my account was closed and they…
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Do you use Experian or ClearScore? Help our investigation.
:wave: Do you use Experian or ClearScore? The 2 companies provide credit score checking and other financial services to people in the UK. The Competition and Markets Authority (CMA) is currently investigating their proposed merger to make sure it doesn’t lead to less choice or higher prices for people. As part of our…
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Balance still showing on credit report
Hello, I'm sure this has been asked before, so apologies. My wife has recently(2months ago) consolidated credit cards to a loan. This was to reduce her monthly outgoings in anticipation of getting a mortgage. She has since been through the affordability checks is with an advisor, how ever she has failed the actual check…
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Noddle Update
I've had an email from Noddle saying they are updating their score and reports once a week now instead of 30 days previously: * Get a more up-to-date view of your financial accounts and payment history, helping you stay on top of your finances * Get your updated credit score more often, so you can see changes sooner and…
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CCJ on credit score from ex wife
I have received notification that I have a ccj on my credit report generated by my ex wife. I knew nothing of this ccj, dated 5th July 2018, until I checked my credit report. I have had no contact with ex wife since 2006. I have no financial ties with her. After contacting Equifax, their reply is to "contact ex wife" to…
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Does Viewing CreditClub have no effect on your credit score
Hi Guys, So obvieously normally viewing your credit file over and over has a (negative?positive?) effect on your credit score. I was however told that if you are using the CreditClub it hasn't got any inpact on your credit score. As such by defintion you can view your CreditClub profile as much and as many times as you…
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Changing AP to a default?
You all have been great and I have reached a bit of a sticking point. Paid off a small debt the weekend, explained having the AP marker was detrimental, they never put a default on my file etc debated a bit with the poor guy on the phone and he sent my comments off to another department. He did say I stopped paying them 3…
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Credit files, Defaults and self managed DMP
Hi all. Hoping for some wise advice on Defaults and Credit Files, which the CRA have not been able to answer correctly! I'm currently sat with about 13k in debt, being repaid through a self managed DMP, as i opted against a recommended IVA, improving my situation by increasing income, and really cracking down on outgoings.…
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Credit score repair
Hey, so I have finally fully paid off my debt management plan today. 25k! I want to rebuild my credit score (current 641) I have applied and been accepted for a Aqua credit card and will ensure whatever I spend on it I pay off in full each month. Just wondering if people think it would also help to get some other credit…
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What to do about a numpty who does NOT know his email address?
Hi, So I have a gmail address. I've been getting a lot of strange emails to this account. and I've final worked out that the cause is some numpty with the same name as me who thinks my gmail address is his. I've been signed up for dating sites, hotels, and I recently had an email from a lady in South Africa with pictures,…
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Close an old Current Account?
Hi, Hoping for some quick advice!? I have three bank accounts, two of which are being used. One for all my transactiions, pay etc, and is the one I will be providing bank statements to any mortgage applications. The second, is purely for work expenses and payment of the work credit card. The third, is a very old HSBC…
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URGENT problem!
Help! I've entered new income figures on my Credit Club profile - but have entered the wrong figures in error. The new figures are far too low! Tonight MSE will automatically send the new figures through to Experian - they will probably drastically reduce my Credit Score in error! How can I contact MSE URGENTLY to ask them…
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Credit utilisation
One of the elements on my credit report is credit utilisation (Either you're using quite a lot of the credit available to you, or you've no credit accounts at all. If it's the former, this may signal to lenders that you're over-committed – if you can, pay down some of the debt you already have before trying to take out any…
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GDPR/ICO & CRF File changes
If anyone has successfully used interpretations of either GDPR legislation or ICO guidelines or both to have changes made to data held on their Credit Reference File in any agency I'd be interested to hear. Rgds., CG
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Settled Defaults
So I was made redundant just over 18-months ago and it took me about 9-months to find another job through various unfortunate circumstances. During this time I had a credit card and a phone bill run into default (May/June 17). I am now in a position to repay these debts (about £3k) in total. However, I have been offered a…
