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2 defaults for the same debt?
Just checked my husbands report and found one debt but with two defaults recorded. The original account defaulted in February 2018, and was then sold on. It appears again, under a different debt collection agency, with a default, stating the account was opened in April 2018. I believe this was when it changed ownership.…
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Vanquis default query
Hi all. I had a vanquis credit card a few years ago, and stopped paying it due to sudden unemployment. Upon checking my credit score I have noticed the account defaulted in 2017. Whilst I don’t dispute the default, the time scale is confusing me. 28 payments were missed before the default was registered. I first missed a…
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Missed payment causing bad credit
Hello! So I was being what I thought was organised and cancelled my direct debit to my barclaycard. Thing is I cancelled it a month too soon and so the final payment of £12 wasnt taken, I called and paid as soon as I realised and no late fee was added. The credit card is now at zero balance. But now this late payment is…
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Told to sell house, rent , build up credit then apply again for mortgage in 2yrs
Hi in DMP been told by Sequence Mortgage advisor to sell house, pay off debt (£17,000) Rent for 2 yrs to slowly build up credit score (husbands current very poor mine poor , but just got credit card to build it up )then go bck to her after 2yrs and apply for mortgage with a better credit score. Madness or is she right, can…
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Moneysavingexpert / creditclub
I've signed up for this ages ago. And been logged in regularly. I can't seem to get signed in today. Is there a site wide issue? States I have failed verification.
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Maximise Credit Score with one off opportunity
I recently inherited enough money to pay off all my debt; credit card and 0% balance transfer totalling £8k and my over draft of £1.2k. I plan to be applying for my first mortgage in 6 months time or more. My credit score is high fair / low good depending on which report u look at. I've no missed or late payments in the…
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Will closing bank account affect my score?
Hi all, Long story short I'm looking at buying my first home as soon as poss but years of living in my overdraft and running up bills as a student has really impacted on my credit score. Now that I'm employed I'm working hard on getting everything paid off. My main question is this - I've not been happy with my current…
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Lowell showing as a default?
Helping a friend who keeps getting turned down for credit. They want a consolidation loan for their high interest credit card debts of about £11,000. I suggested they get a credit report as they keep getting turned down for credit despite earning a good wage and not missing a payment in the last 4 years. They have a debt…
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Business lease personal indemnification on personal credit report?
Hi guys, some advice needed as I am securing a new vehicle through my small business as a business lease (contract hire) and the finance company have asked if they can use my personal details to indemnify the agreement. As the vehicle is a business lease and not my own, I am worried that this will show up on my personal…
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Cabot texts
Hi, I'm unsure where to put this question so lucky dip and landed here! I keep getting texts from Cabot (debt collection agency by all acounts) saying I have an account with them and actually stating my name in the text and a reference number. I've repeatedly checked my credit report which shows no debt (apart from 1 which…
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Daughters credit report
Hi,my 21 year old daughter recently tried to get a new phone and contract but was declined , her last contract has expired which she paid for every month without missing a payment for two years,she works and has a good record at the bank having never been overdrawn and savings of £3000 for her first car, she doesn't own a…
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Incorrectly applied charges by O2 damaged my credit score
Hi all, For the past few months, I have been reported to Moorcroft Debt Debt company for "not paying" my charges on my account to O2 after I terminated my account with them. In short, the charges were incorrectly applied. I have agreed for a mobile contract. however I ended up cancelling it within the 14 days trial period.…
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Credit club problem
Hi, not sure if this is the correct place to post but I have been a credit club member for several years now but for the last few months when I log in a page comes up saying... Verification pending We need to do some further checks I can get past this page Anyone else had this Thanks
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Bt sport/lowell
Hi guys, I really need some help! I have been arguing with BT Sport for nearly 3 years, and for the last year with Lowells. They are now saying they are going to make a claim against me. The whole thing is over a bill for £168.53. I took out a BT Sport contract in 2016, then realised it would NOT work on multiple sky Q…
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Nationwide credit card late payment fee reversed - will it effect credit file?
During the introductory interest free period of my credit card I missed a payment which was due on the 11th. I paid on the 14th which according to NW wont clear until 1-2 days. I called NW and they reversed the fee. My next statement is also due on the 14th. Some Nationwide advisors told me it would not effect my credit…
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Totally money - credit utilisation
Can anyone shed some light on this for me? Out of curiosity more than concern. My credit utilisation from January says 91%! I cleared my cards last year ahead of my mortgage so they've been at 0 for a few months now. Where do they get this from? I got my mortgage in Feb so, it's not showing yet, and everything else was at…
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Identity Theft or Name/Birthday Twin
I previously posted about lots of incorrect accounts etc on my reports.One of the agencies has now removed all accounts/addresses where the date of birth didn’t match mine. Except one... There is an account with my name/date of birth but a different address. It’s defjnitely not mine. Equifax are just saying Talk Talk says…
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Financial Associations & Joint Bank Account
My wife and I are wanting to open a joint bank account, but looking around it looks like a negative aspect of this would be that we would be co-scored in terms of credit reporting. My question is, if we already have a joint mortgage, aren't we already 'financially associated', and so would a joint account make any material…
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Should this account gone default?
Hi So I signed up for a 30 day trial of checkmyfile.Com and down loaded my PDF credit file. It shows a few accounts from my reckless days of payday loans etc that have missed payment for years on end so I’m wondering if these accounts should have gone into default at the beginning or after 3 missed payment rather than just…
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Betting Firm Shows as "Charge Card"
Signed up to Credit Club, all fine and dandy, just one thing I found odd. I have a couple of long-standing betting accounts that operate on a credit basis and one of them shows on my report as a charge card. The other doesn't appear at all. Any idea whether this is normal, something to worry about or just an anomaly that…
