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ProtectMyID membership from BA- take or leave?
So the ever failing organisation known as BA have emailed me to tell me my details were stolen when they were hacked. They are giving me free ProtectMyID membership which includes: 1. Unlimited access to your Experian Credit Report. 2. Credit Alerting – an email or text to let you know when certain changes happen on your…
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AP and default question.
Hi i had an arrangement to pay with Aqua. It's now with Robinson way. They said they would issue a default against me of i went into arrears. Can they do this? is an AP on my file not a default? Thanks in advance. BTD
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Sainsburys Bank global error reactivating old debt file accounts and ruing credit rating
I applied for a mortgage this morning and when my credit check was ran my application was refused. When I searched my Experian account an old Sainsburys bank credit card was showing that I had missed over three months payments in 2018 and was flagging me £60 in arrears. I has closed this card account with no debt in…
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Mortgage arrears, need specific advice
Hi all Am a regular long term forum user but have made a throwaway account for this as don't want to be identified. Me and my husband are going through divorce, hugely hostile and we do not speak at all. No kids, thankfully. We own a house which has been up for sale and now has had an offer on, sale hopefully looking to…
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Advice please re late payment
I have realised that I have forgotten to pay an account , balance was £22 and due yesterday, I have now done so via online banking so they will receive today. I am really worried as I have a perfect credit score and am wondering if this will be impacted. Any advice would be appreciated. Thanks
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Authorised Overdraft - Cleared on same day
Hello, I accidentally went into my barclays overdraft by taking out funds from the wrong account and went into my authorised overdraft. I realised straight away and put the money back on the same day. The end of day balance was back in green. Does anyone know if this will show up on Experian credit report? I have not been…
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Personal guarantee for invoice finance
Hi everyone Just some generic advice if possible... looking at a possible PG (capped and not unsecured) to increase our invoice finance facility. However I know that my net worth would not cover the level of personal guarantee I’d be signing so if it did get called in I know I couldn’t meet the demand. It’s surprisingly…
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Two different Experian scores?
My Barclaycard online banking account comes with a free monthly Experian score (not a report). It was updated today and gives me a score of 969. Out of curiosity I used the MSE Credit Club Account to get my Experian report, which gives me a score of 990. I understand why Experian is different from Equifax and Callcredit,…
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Court is really annoying me
Hi all My previous posts explain a lot of things but I’ll try and give a short version. Saw on my credit report that I had a CCJ. All paperwork went to an address I’ve not lived at since 2012. Applied for set aside - granted. Lowell sent ‘proof’ the debt was mine. I sent back proof I moved out of the property 6 months…
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First Credit Score
I am new to UK (moved here two months back), work full time in IT, applied for electoral register where i will be added by first of December. I have couple of current accounts where i receive my salary and use for daily expenses. I have a SIM only contract with BT and couple of other regular payments like Now TV and…
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Would MSE Credit Club (experian) ask
Hi, I have been using credit club for some time now and have just moved house and become a homeowner. I updated details on credit club and it says additional verification required by Experian and is asking for me to enter my long card number, name on card and expiry date?!? Is this normal?? I feel wary about giving out…
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What is my residential status?
Hi, I am updating my credit profile on clearscore and i’m Unsure what to put for residential status. I live with my fianc!e (we’re getting married in April) and she owns the home in her name. I pay her half the mortgage, bills, shopping etc. Am I a homeowner or private tenant? There is no ‘other’ option. Help would be much…
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Electoral roll
Morning all. On checking my Experian credit report all seemed fine other than one negative - less than one year on the electoral roll at my new address. I moved in 10 months ago and updated everything at the same time. How much difference will this make to my report once i exceed a year? Could this be the difference…
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Rent and credit score
From today your rent can influence the credit rating. It does sound like you have to have an input for this to happen, it won't automatically do it. BBC Radio 5 "Wake Up To Money", seem to think you will only do this if you have a good payment record. Edit: Actually looks like it is Private renters who might need to do…
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No adverse credit, great references but still scored low
Hi all I’m looking for some insight as I’m genuinely confused about the outcome of my recent tenancy reference check. I am in full time employment with a salary of 5x the annual rent for the property and have never missed a rent payment - both my previous landlord and employer have provided positive references which have…
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Default notice question
Hi, Due to an oversight I received a default notice after incorrectly cancelling a direct debit and missing one payment. It seems to me that Premium Credit (the lender) were quite hasty to send me that after just one missed payment. What are the triggers for sending a DN? Can they do so after missing just one payment? Is a…
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CiFAS Cat 2 - Wanting to get some new Credit Cards
Mods please delete. I posted in the wrong forum. Sorry
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CCJ Full and Final within 30 Days
Asking for a friend. CCJ was granted last week. 30 days to pay or CCJ will show on credit file. If the creditor accepts a full and final settlement figure within the 30 day window, does this still show on your credit file, or can/will it be removed? Kind regards
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Search on Credit File but not done by me
I logged into Noddle today to see that someone had obviously done an insurance search in my name and address on Friday when I was out of the country. There's a whole list of soft searches that I don't recognise and that weren't done by me. Anything to worry about, do you think?
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Credit Account 'Trade Reference' GDPR?
Hi all, i hope this is the correct place to ask this. Throwing a scenario in the wind, a new business startup requesting a credit account with a company, said company asks for three trade references. How does this work in relation to GDPR, if said references are followed up/checked, can the data holder answer/give…
