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Credit file
Hi I was looking at my credit file and I came across this search by Bank of Scotland. Beneficiary Trace Enquiry... Can anyone explain what it means please? thank you .
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Advice on claiming money from company due to wrongfully placed cat 6 fraud marker.
This is quite long TL;DR at the bottom. Just over a year ago now, EE placed a cat 6 fraud marker on my credit file, citing "Misuse of facility" as the reason. I have been back and forth with their (honestly terrible) customer service for about 9 months now as it took me 3 months to actually figure out what was going on. I…
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Credit file - financial association
Hi, I'm about to move in with my partner and about (I think) to go bankrupt. We will not have any joint accounts, the bills will all be in his name and I will pay a monthly amount to him for my share. We think this is for the best with my financial situation...anyone disagree? All debts were incurred before we met and in…
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Upgrade basic bank acct - any benefit?
Hi all, just a quickie question - I have just a basic bank account (Natwest) - which to be honest I'm perfectly happy with as my everyday wages-in/bills-out account. I also have an MBNA CC with a modest limit, with which I do the usual routine of only using for regular spends (in my case it's only for petrol/food…
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How can I see last month's score?
Hi guys, I'm pretty new yo Money Saving Expert's Credit Club, but I'm struggling to find my credit score history. When I click on my dashboard, I can see my current score, but I don't know where to find my score from last month, the month before that etc. Any idea?! Thanks, Ryan
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Is someone trying to steal my identity?
Earlier this week I had a notification from Gumtree thanking me for my advert that I placed to sell a motorhome. I don't own a motorhome and I didn't place the advert. I contacted Gumtree who said that it looks like somebody had fraudulently accessed my account and placed the advert. They were adamant that I must have…
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Is checkmyfile genuine?
I recently signed up to checkmyfile, paid then tried to login it failed, although I'm absolutely certain the password etc was correct. So I clicked on "Forgotten Password" and then "Send password reset link" and nothing happens - no email is sent. I've tried it about 30 times over the day and nothing. As I can't login I'm…
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Experian - Is Credit Balance?
Just lookinf through my credit reports in MSE, Noddle and Clear score and it shows my credit card balance with MBNA as the balance that i have in use as of right now (Statement + Current Spend). Has this always been the case? always assumed it was statement balance that was reported on credit report (never really looked at…
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Ccj set aside
Just new to the site. Was looking for some advice. Back in 2015 a ccj was added to my credit file (which I only found out about last week) it's for £852 for a personal money matter. The court documents were posted to my privately rented flat but my landlord binned the documents as I never received them. I was staying with…
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Direct Debit law
Hi I was made redundant last year followed up with a difficult time with depression which I am now over with. I had a good pay off and made regular payments to my direct debits but noticed that I had a letter from one Credit Card saying I was five months in arrears. When I complained they said they had cancelled my direct…
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Declined mortgage on my credit report but don’t know why!
We have just applied to remortgage but have been declined on my credit report as advised by the broker. I’ve got a copy and have a ‘fair’ score, and apart from a dispute with a catalogue that put me in arrears for the grand sum of £10, which is now cleared. I don’t know why. I have no ccjs or defaults, not behind on…
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Stepson is in huge debt
Hi all My wife's 30 year old son lived with us for two years but left in October to live with his girlfriend. Although his mail came here, he was never on the electoral role as being here, whether or not that makes a difference. On clearing his room, we found dozens of unopened letters that were from creditors and debt…
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CCJ Advice
Sorry for the massive post but I’m really stumped on how this CCJ has managed to appear on my partner’s credit report without him knowing he even owed anything. Me and my partner are currently trying to get our first mortgage, we checked our credit reports recently and found that he had a CCJ from 2017 that he knew nothing…
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Inaccurate addresses on my credit file
Hello - I'm hoping for some advice. I've just checked my callcredit file and it includes 2 addresses that I have never lived at. Both have been recorded by one of my banks and one has also been recorded by Eurodirect. They are both addresses near my home. My guess is that they were used because our house was a new build…
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what a result
can I just say a big thankyou to every one that helped :beer::beer: I had a problem with a default being marked on my file by NatWest the original owner and cabot the new owners of the debt both were showing me owing . cabot had the amount being paid off but NatWest still showed the original amount not decreasing ….anyway…
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Please help, unfair default
Can someone please advise me... I dont know if Im on the correct forum. I had a bill query with vodafone back in 2015 for a large amount which was unfair and not correct, we had a dispute and was informed the debt was resolved. Forward 4 year and I have checked my credit file and have seen that Vodafone filed a default on…
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Basic bank account effect on score
Hello all, If I have a basic bank account, does having this account affect my credit score negatively? Many thanks.
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Credit score plummet - arrow global
Hello everyone, Could anyone please advise: I have been trying to build my credit score since it was decimated by my ex-wife’s actions while we were married, and I had done quite well bringing my score up. There was one outstanding debt on my account, a closed joint bank account which my ex-wife ran into unauthorised…
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Getting CCJ Marked As Satisfied
I have a CCJ against me from 2014 which I have now paid off, and have received a letter confirming this from the debtor. How do I now go about getting the CCJ marked as satisfied? I’ve tried ringing the original court a couple of times, but after spending ten minutes listening to all their options, I get transferred to a…
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Late Mark on credit file
Morning, Looking for some advice how I can deal with a 1month late payment marker on my credit file. I actually have 2 of them 12 months apart reporting on my rent account which seems to have been recently added, it certainly wasn't there last month. My rent is always paid on time by monthly DD and my landlord controls the…
