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BPO and credit ref agencies
Hello everyone I left university 8 years ago, and this week I received a letter from a company called BPO debt collections telling me I owe Student Loans Company £800 and to call them to make arrangements to repay it. So instead, I called Student Loans Company and they said they overpaid me 8 years ago, and have tried…
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Accounts being removed?
Hi people! I've recently closed a few of my accounts, and cleared a HP agreement, these were over a month ago, the hp was around 40 days ago to be exact. the other accounts were well over a month and half ago maybe even two months. now my question is, My credit file/report/history hasn't changed AT ALL in 2 months, when it…
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applying for credit - means score goes down
Before i start i know the supposed credit score doesnt mean anything so spare me all that rubbish. However despite this when i have put irresponsible lending complaints in they have referenced my score was xxx at this time so thats why we let you have it. Anyway i digress My question is once you've applied for credit how…
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Credit report after bankruptcy
Hello, my friend was made bankrupt in may 2013. As of may this year, it’s 6 years ago. I know the credit score is useless, but would her score jump up in may? She’s worked hard to sort her finances and that insignificant number going up a few points will give her a real boost. Thanks x
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Wrong person on credit check
My son has done a soft search as he is looking for a mortgage, the search revealed a person with exact first and last name and same date of birth, but different middle names and different addresses. It’s also shows This persons CCJ’s and defaults, none of which are my sons! My son has always been registered at our home…
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Please Help- Incorrect CCJ's
Just been browsing my credit file, and I am shocked to find out I have a CCJ issued. I have brought up the details of the CCJ and I THINK- its from an old car parking fine. In the 1st half of 2018 I received a car parking fine and wrote back to them explaining that it was a genuine mistake- was not aware it is a paid…
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No credit file
We have been trying to apply for a savings account for my wife. We are both 50. Have no debts. However my wife keeps getting rejected because she has no credit file ? We registered with noddle and they inform us that they do not have sufficient information to form a credit file for my wife The weird thing is we have a…
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Last delinquent date shown as 2018 but account closed 2014?
So when i left a property in 2014 there was an outstanding balance which i was not aware of at the time as my ex partner dealt with this. Its not until recently i noticed the outstanding balance on my equifax report, i have since paid. My question is the water account was closed in 2014 but the late payment shows from july…
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Please Help!
Years ago my mother had a mobile contract with Virgin Mobile which she cancelled when the contract came to an end and switched her number over to Giff Gaff. Having recently sorted through her paperwork, we discovered that Virgin continued to take payment each month since 2016! We called them and they were asking security…
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Default/s
Hello. Im enquiring as to what constitutes a default on your credit file. I defaulted on one of my credit cards in 2016 and didnt pay the minimum for 4 month's. My credit file shows a default on four seperate months. Does this count as one default or four? Thanks
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Soft Search - Does a CCJ show up?
Hi all, Appolgies but I am a newbie in need... Being a typical young idiot I got credits cards when I was 18 (now 28) which all ended in disaster ... anyway defaults etc have all dropped of my report now and the only thing which is a negative factor on report is a single CCJ which is now over 5 years old and over 3 years…
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What should I check?
Hi, Sorry for what I know is a likely basic question! I moved house last month, and changed my address on my driving licence. It seemed to take ages to come - my partner applied for his two weeks later and it arrived in 3 days. I contacted the DVLA who said it had been sent three weeks earlier - they sent a replacement…
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Credit Score Help After Payday Loans Removed?
Hello I have recently won an irresponsible lending complaint against Sunny Loans and they have stated that the 19 loans I had with them with be totally removed from my credit file. My question is that will this have a negative or positive effect on my credit score? Obviously the loans being removed will be a good thing,…
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MSE Credit Club - no previous UK address?
I’ve just tried to sign up to the MSE Credit Club but can’t complete the application because we’ve only been at our current address since 2013 and our previous address was outside the UK. Is there a way round this or will I have to use another credit score ‘agency’? Thanks in advance.
