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Experian and address history
Hello, I did not have any bills in my name for 2-3 years and spent 1 year in hospital, but did not use the hospital as my address. It is quite likely that Experian holds an inaccurate address history for me which I have been unable to guess. This confusion over my official address history means I have been unable to access…
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Improving credit history - novice questions
Good evening everyone, I'm new here :) I'm in the process of getting a mortgage in near future. Unfortunately, I've been ignorant about the credit history and now it's a bit messed up. I want to repair, so got couple of questions: 1. I had few late payments (no more than few days) on two of my credit cards around two years…
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Credit File novice - Help needed??
Hello All, this is my first post on the forum so thank you in advance and sorry for the essay please bear with. The issue i have and what i need advice on is amongst several other things a discharged CCJ that is causing havoc on my credit file. Firstly a bit of history .... I split up with an ex a few years ago and rather…
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Help regarding how late licensing fine affects credit report
Hi all, I have received a late licensing fine from the DVLA for not paying road tax. I have had contact from Adventis debt collections regarding payment. I am appealing the fine, and feel I have a relatively strong case (the scrappage company I used to scrap the car failed to inform the DVLA as is their responsibility, and…
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Sainsbury Bank impossible to close account
We are buying a house. So we need need access to our savings online with SAINSBURY bank. We need to close the account. They have a sytem where they ask questions based on EXPERIAN report, and if we dont know the fantasy answers to such questions about our personal banking (with other providers from years ago), our account…
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MSE Credit Club login issue
Hi Is anyone else experiencing issues logging into the Credit Club? I get as far as putting in all the login and memorable word details but then it gets stuck on 'transferring to Experian for authentication" and eventually times out. It shows I am logged into the clubs in top right, as I am able to 'Log out' but I cannot…
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Debts not showing on credit report
Hi, I posted this in the debt free wannabe section but haven’t had a response yet so thought I’d try here :) A few years ago my life was pretty unstable, I’d take out contracts every few months then forget about them and take out new ones. Think I got a CCJ from an unpaid fine, plus I’m not sure if I was ever liable for…
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MSE credit club issue
Hi, [Sorry is this is the wrong forum, feel free to move] My MSE Credit club score was due to update on 22/04. While the report has updated, the dashboard/credit score has not? Some times it's a day or two late, but its now been a week. Is anybody else having this issue?
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Accidentally overdrawn - will it affect my mortgage?
I have a monzo account to do our food shopping on only and without noticing I accidentally went overdrawn by £1.50, I have the monzo debit card. We have our mortgage offer and due to complete next month, can someone let me know if this is going to affect it? I put extra in straight away. I thought it would just of got…
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monzo card /revolut
i have both a monzo card and a revolut card thinking they might be useful for online purchases, separate budgeting pots, bitcoin investing, sending money to friends for splitting takeaways - random things like that, which high street banking didn't seem so 'easy' for. now i am thinking that maybe having both of these new…
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Mortgage offer not on credit file
I have a mortgage offer from First Direct which was arranged in January. Not yet bought a house. I just did a search on the following agencies: Clearscore/Equifax MSE/Experian Noddle/callcredit None of them show anything about a search from the mortgage company. Why would that be?
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Argos Card Help please
Hi all, I had an Argos Card I defaulted on a few years back, this is no longer on my credit file. However, I received a letter saying the account has been sold to Capquest, and I need to make a payment arrangement with them. My question is, will Capquest add this back on my credit file under their name now and include any…
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Mortgage application - can’t get further credit
Hi Long story short we had a successful mortgage offer which is due to expire in July 2019. We were at the final stages of a house purchase when the sellers pulled out so the sale has fallen through. For several reasons we aren’t proceeding with any other sale so won’t be using the mortgage offer We now cannot get any…
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Attachment of earnings problem
Apologies if this is posted in wrong part was unsure where to put it. Basically Reston’s solicitors tried to get a attachment of earnings order agenst me despite me making payments,it was suspended on basis I paid so much each month. Today I went to check my payments with them to find I can not access the site account…
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Credit Report from Abroad
Hello, I'm trying to access my credit report from abroad, I only moved abroad just over a year ago and still have my UK bank accounts etc. Is there a way through Experian or one of the other credit report companies to get a report? Thanks.
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Can’t See ‘Missed’ Payments
Hi all, I’ve recently decided to keep a closer eye on my credit report and score as I’ll be applying for a new mortgage in the next few months. When checking on the MSE credit club, I get two orange faces, one next to missed payments and one for account stability. The annoying thing is, I can’t see anywhere on the site…
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Unpaid defaults
I understand that defaults are not seen on my credit report after 6 years. What happens if they’re still unpaid after this time? Can lenders still see them?
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Payday Loan Defualt
Hi i am not sure if this should be on this thread or the BR thread so sorry if i have posted in the wrong bit! I am cleaning up my credit file and there is a Payday UK loan with an incorrect default date showing on it and i don't know how to get it amended. I have tried contacting BW legal but the account was closed and…
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Default not on Credit File
Hi All. I defaulted on a Halifax mortgage in 2011. I came to a settlement around July last year via Shoosmiths. Part of the settlement was for the account to be marked as 'partially satisfied/settled'. I never checked my credit file to see if this had been done. I've finally got round to getting my Experian and Equifax…
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Advice Required - Student Flat Utilities Bill
Hi all, First post so please be kind! A few years ago I rented a flat with some friends while at university. We set up a joint account to pay our electricity bill. I did not spend much time in the flat due to ill health so I moved back in to my parents permanently and trusted my flatmates to divide the remaining…
