-
Amex Charge Card CRA Reporting
Hi, I have an American Express charge card which I use for work expenses, it's paid off in full every month without fail.However Experian are reporting my charge card as a credit card and my balance to limit utilisation percentage is being reported incorrectly, so last month amex reported my balance at £2000 Experian…
-
Financial association from mortgage quotation?
A family member recently requested a mortgage quotation from his bank together with a partner who he was not financially associated with beforehand. Is it correct that this mortgage quotation has financially linked them (which it has done according to Experian report)? The partner wasn't even present.
-
Over Credit Limit / Credit Report
Hi, After some advice, I've recently changed my payment due date on one of my cards, I thought this would mean my interest would be taken on later in the month to tie in with this, my own fault for not looking into it, I know, but it meant that when the interest was taken, I went over the limit by £2.13, this was on the…
-
Credit card balance..
Hi, Just a quick question, when I pay off my CC in full, I'm assuming I need to get the balance to £0 each time? there is an overlap of when my DD comes out and a my most recent shopping bill is on there. For example, I've just paid off the statement of £80 but It won't let me pay the £20 of the new balance.. if I buy…
-
Tesco Bank Incorrect Update Date on file
Hi folks, I opened a Tesco CC last month, and has updated on my MSE Credit Club file today. Should I be worried about the Last Updated date being seven days in the future? Thanks in Advance
-
Incorrect default date
I had a credit card with Capital One which defaulted in January 2014. The debt was sold to Cabot Financial and it now shows as defaulted in January 2015 on my credit report which is when they bought it rather than the original default date. I have tried to raise a dispute about this through Experian but nothing was done.…
-
Default
Hello When I have looked on my credit report I have a old PayPal account that continues to default each month from a couple of years ago but my partner said she paid but is there a way to find out which debt collection it is with because PayPal are not being too helpful really but it’s affecting my credit report
-
When is the best time to clear up credit file after DRO
The Mrs & my DRO are due to expire in Nov this year, and i would like to clear up both our credit files when the DRO expires. Should we do it the day after ours expires or give it some more time maybe Jan next year, we are in no rush to borrow or take out any kind of contract or anything like that it would just be nice to…
-
Noddle Credit Report
Hi, Some toerag(s) have been trying to open bank accounts using my name, address etc and fortunately the banks stopped it from getting too far by giving me a call to check if it really was me trying to open an account and when discovering it wasn't they then registered me on CIFAS etc. They did suggest I check whats going…
-
Experian...less than helpful?
The No-Mans-Land between Experian and MSE Recently contacted Experian to have them change the incorrect D.O.B. they had recorded for my wife in seven of the thirteen “Financial Associations” part of my online Credit Report. They did that but for some unknown reason, even though my income and expenditure remains much the…
-
Electoral roll mess
Hello everyone, I didn't know where to post this, but I was wondering if anyone could give me some advice or at least, put my mind at ease. I've recently signed up to get my credit reports from the 3 major CRAs, and to my shock none of my electoral rolls match up. I don't really understand how this has happened and don't…
-
Is it ok to be setting up accounts with CRAs again and again
Hi Guys, When I first noticed the low credit score I have etc, I was advised to setup an acount with xperian. Then, my financial advisor got me to setup equifax because he told me that sometimes not all/the same information is shown on both so I got that as well. I have recently got a card that gives access to Moodle,…
-
Overlimit Warning on Clearscore
So I check all my credit files regularly and this month Clearscore flagged a warning/negative point about not going over my credit limit. I have gone through every account I have, and nothing is showing as near or over my credit limit. Is this just something that flags up as a general warning or is it triggered by…
-
Dependants and credit score / mortgage applications
With regards to dependants and credit score / mortgage applications , if you have children (under 16) that are not financially dependent on you, don't live with you and in fact, live in a different country , would you need to declare them on mortgage applications and or your details on credit score websites? Thanks
-
CCJ dropped off 1 year ago but account was never set to default
Hi all, I'm hoping someone can please advise as to whether my logic is correct. Essentially I took out a Northern rock together mortgage over 10 years ago just before the recession, this included an unsecured loan of £30k. Shortly after I was out of work for a year and built up mortgage arrears on both the secured element…
-
Loan turned down
We have just applied to increase a Tesco loan to pay for a new car. Our current loan has been running for 5 years (out of 10), with no missed payments and some extra payments. It had 3 years left to run. We asked to borrow £8000 over 5 years which initially was agreed. However, following a credit check it was turned down.…
-
Help! No credit history and no one can find me!
Hi, I’m posting this for a friend and advice would be greatly appreciated! My friend has never had any form of credit, no phone contracts, credit cards, insurance etc. She’s 26 and had the same bank account since she was 15. Last week she applied for credit for the first time with Apple and was turned down. I told her to…
-
CCJ Removal by consent - Lowell
Just wondering if anyone has had success removing a CCJ issued by Lowell by consent? I have a CCJ with £800 remaining, currently paying £50 a month off. If Lowell agreed to withdraw the ccj im sure i would find a way to pay this immediately
-
Some advice on my credit history.
I've been reading about how my credit score is only visible to me, but I was just wondering if anyone could offer some to help build my credit history. I used to rent a place with my partner, but we unfortunately split back in 2016, the utilities if I remember correctly were either fully in my name, or under both of ours.…
-
Someone has used my ID and its effected my credit rating!
My credit score has gone from good to bad instantly because someone has fraudulently used my name and details to get a phone contract and has defaulted on the account. None of the correspondence for this phone account has come to me and I was not given notice that I would be given a black mark on my credit score. I…
