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Experian wrongly Reported CCJ thats not mine
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CCJ appeared out the blue... Is it fraud? Should I call the police?
Hi Im on the voters role I pay all my bills I have no debts and I have a squeaky clean credit file. Mortgage, great bank account best deals, pay off my credit card in full. I have no debt except mortgage. Today I checked my noddle and it says I have a CCJ I think what no no way!! I check further and there is a claim for…
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Returning from Spain
I have lived in Spain for 15 years. Prior to that I lived in UK for 55 years with an unblemished credit history. During my time in Spain I have continued using two UK based credit cards and a NatWest current account, again without defaulting on a single penny or making a single late payment. Can anyone please tell me, if I…
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Getting married and financial associations
I was watching Martin on This Morning and I'm pretty sure I heard him say that you don't create a financial association on each persons' credit file just by getting married, you have to take out a financial product together. Can anyone confirm that this is right (and I haven't heard incorrectly)? Many thanks in advance!
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Wonga Defaults
I need some advice please. A few years ago I got trapped in a cycle of debt by Wonga and a few other similar companies. So last year I decided to tackle these companies and try to have them remove the entries they had made on my credit file because I didn't think it was fair. At first I had no idea about the success people…
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Court STILL not removed CCJ
Hi all I recieved a letter from Lowell issuing a notice of discontinuance on the 27/9/18. They sent a copy to me and the courts. The court failed to remove the CCJ from my file so I emailed them. They said they can’t unless they had a copy of the letter (which they already had) I’ve emailed them 3 more times attaching…
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Dispute credit entry on credit file
How does somebody go about writing a dispute about an entry to their credit file please? Do I have to write a hand written letter to each of the credit reference agencies, or would email do? Do I need to include ID If I just write the paragraph disputing the claim, is that enough, and do they have to put it on my file? Is…
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Financial dissociation???
Hi, hoping for some advice from anyone who can help!! My partner and his ex have a joint mortgage, they haven’t been together for 9 years, and no one has lived in the property for 7 years. My partner pays the mortgage every month and has done since they split up! His ex won’t let him have a key for this house, her stuff is…
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Looking to get a mortgage
Hi I'll try to keep it brief. I am trying to get a mortgage in the next year. I still have approx 9k old debts to which I pay monthly payments. Some of the debts have been wiped of my credit file. So I am concentrating on paying the ones that are on my file first. All my accounts and current credit run perfectly now, I pay…
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Credit ladder reporting
I Saw Martin discussing tenants now being able to report their rent to boost credit rating. This is done via reporting to credit ladder or Canopy. Both request all of your online banking details. Is this safe and has anyone done this ?
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'Credit Building' savings accounts
Hi, Just wondering, are 'credit building' savings accounts actually worth setting up if you've got a generally poor score? So, these are accounts with companies like Loqbox that seem to be spamming my Facebook at the moment where you setup a DD with them for a regular amount and then they presumably report back to the…
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Variable subscription account will no longer be marked as ‘dormant’
Phone contract with EE, closed and last payment was 26th June 2018. Experian notification at the weekend saying: "A variable subscription account will no longer be marked as ‘dormant’ on your December report." Organisation Name: EE Status: S What does this mean? This means that one of your accounts that was previously…
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Experian Credit score dropped
Good morning all. I am new to be forum so please be gentle :) I make a Point of checking my experian credit score every month. I am currently in the process with my partner of saving up a deposit for our first home. I checked my score last night and found that it had dropped 96 points. To say I was shocked was an…
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Credit check alert - ONLY
Do you know where I can subscribe to getting credit check alerts - and nothing else? I already subscribe to Experian/CreditExpert who have just hiked the charge from £9.99pm to £14.00pm (phew - that's up 33%!!! What a rip-off). Experian's main business is checking your credit rating - with a bit of credit check alerting on…
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Data Protection Breach - Advice
Evening all. I’m after some advice from you financial heroes! I have been contacted today by a family member (twin brother) informing me that they have created an account with a major credit score company and for some reason are able to view the entirety of my credit history, including my current financial information such…
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MSE Credit Club
Hi, My other half has an MSE Credit club account for long time now and accessed her credit report every month without any problems. Today when she attempted to check report the following message appeared:- We need to do some further checks Thank you for your application to Credit Club, we need to do some further checks to…
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Student duped into becoming mole
Hello, I am an International student studying in the UK. Recently an acquaintance from university told me if I gave him my sort code and account number, and withdrew some cash he would give me 300 pounds. I stupidly accepted, as I really needed some money for day to day expenses at that time. On the day 5000 pounds was…
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Homemaker or "Not employed"
Hi When using the credit club on MSE, one of the questions is occupation. Firstly, if someone is disabled and receiving benefits are they classed as Homemaker or "Not employed" Secondly, does it make any difference which one of the above you pick, to the whole credit score club info? Thanks Si.
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Does having too many credit cards affect you credit score?
Morning all, First post so be gentle...... Basic background. Full time working couple who use CC,s as a way of earning cash back. Always pay monthly bill off in full. Have just swapped from a Tesco CC to the Amex platinum cash back card with the £25 annual fee. We spend around £20k a year on it and the £65 vouchers we…
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Resigning as company director - Secured Loan
Good Morning everyone, I am in a bit of a pickle. I have had a recent downturn in my personal circumstances, I am currently a director of A company, 12 months ago I took out a secured loan from barclays on my property, kept up payments etc.. Now I was looking to expand the business and I applied for a personal loan (25k)…
