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CCJ paid in full by DRO
Hi all looking for some help. I received a CCJ for a debt on 05/05/16. My DRO was granted on 27/05/16. The CCJ debt was included in the DRO. So satisfied within a month of the Judgement. Does this mean I can apply to have the CCJ removed Any advice
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Credit score dropped 200+ points!
I've been checking several free credit scores monthly for years. I also have a subscription with Equifax. My score with experian has dropped 231 points in the past month, their incredibly cryptic reasoning online was "your credit lending has increased in the past month" which is not true, I opened a credit card in April…
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Bad credit help!
Hi So I’m a single mum working 3 jobs to try and survive and my car is a Vauxhall Meriva 56 plate, it’s knackered and I’m going to end up spending more money on it than it’s worth. I want to get a new car but I have “very poor” credit rating 😩 I was thinking about leasing a car for a bit while I sort myself out but would I…
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TSB and mortgage
I have an existing mortgage with TSB and am looking to sell and buy somewhere more expensive and want to transfer the mortgage and borrow more (to avoid the £3k early departure penalty) but when TSB have looked at how much I can borrow, they’ve said they can see credit issues. However, my Experian report gives me a score…
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Elcurrency/Bitcoin Identity Theft
Hi I’m new here and wasn’t quite sure which section this should be posted in. I’m usually very savvy when it comes to not falling for scams but stupidly yesterday I paid £245 into elcurrency.com which is similar to bitcoin revolution. On top of this I also scanned in my bank card with the long number covered as they had…
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financial disassociation after divorce
Hi, I'm just wondering, will I be able to cut financial ties (update my credit file) with my ex if we still have mortgage in joint name? Is it worth telling the credit rating agencies? Many thanks. San
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Creditkarma - login issues
Is anyone else experiencing issues relating to the credit karma website (formerly Noddle). I have tried on several occasions for the last week to reset my password via the password recovery page - and no email to do this has been forthcoming. I never had any issues with the old Noddle site. Credit karma - not noddle but…
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Saga Visa Platinum card
AIB formally managed these on behalf of Saga but have now passed all outstanding accounts to Link Financial Outsourcing. I owe approx £750 and they want me to pay £150 per month. Though this may be a little difficult I will do it but what worries me is that, according to another site, this debt will be shown as a ‘bad…
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Advice on joint debt
Can anyone offer me any advice, I split up with my husband 2 years ago, we are still married and I have yet to file for divorce, just after we split my ex took out a massive loan in his own name and also became a guarantor on a big loan for one of his family which in total is approx £37,000, will this have an affect on me…
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Sharing/printing credit report - advice needed
Hello, I’ve been asked to share a copy of my credit report as part of a mortgage application. I’m a member of the MSE Credit Club and can access my credit report through that. However, after a very long search and trawling through the FAQs, I can’t find how to print/save/turn into a pdf/share in any way. I’m possibly being…
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Charging Order
Hi, I have a charging order on my property with Link. I have contacted the company Link Financial to see if they will accept a final settlement, they have responded that they will be open to a partial settlement but this will be logged on my credit file as a partial settlement. I am looking to pay off the amount owed to…
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Advice on Robinson Way and CCJ?
Hi, Really hoping I can get some advice. Robinson Way a debt collection agency is currently in a email exchange with myself as they are telling me I have a old debt. I emailed them with the statute barred letter and asked for more information (obviously I don’t want to pay some random company money without proof) Within…
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Current Address Different on Two Settled Accounts
On two of my settled account (settled in 2014 and 2018) I have an additional first line of address: Studio 1. The rest follows: House Number and Street City Postcode All my other current accounts and my address under personal information do not include Studio 1. It is not really necessary because all the studios are in the…
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Writing a Notice of Correction for AR on Credit Report
Hi all, I've got AR on two of my settled accounts (credit card and current account). One for one month and one for two consecutive months, both in Dec 2013 and Jan 2014. Is it worth writing a Notice of Correction for both to reduce the negative impact on future borrowing? Many thanks, Oliver
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Ex wife opened my mail and hid a CCJ from me
Hi, I’m new here but could really do with some advice! I separated from my wife a year ago and it’s not been pretty as I’m sure many splits aren’t. I had all my mail redirected although it seems to be quite hit and miss (although I wasn’t aware not everything was getting redirected) During a reference process for a rental…
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Credit rating - getting onto your parent's credit card?
Hi there My credit rating is on the low end of 'good' on Experian, and similar on other sites. I believe this is because I moved address twice, stupidly closed 2 childhood bank accounts, opened a new bank account and got a new phone contract all in a matter of months. (I also tried to open a student account as I'm a phd…
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Is the default I’ve been issued valid?
Really annoyed that I’ve just received a default notice that will affect my mortgage application. I applied for life insurance, got accepted and then they said they would send documents through. Document came through, one from the insurance provider saying my policy is live from X date. Another from the broker saying I…
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Tax CCJ
CCJ from HMRC fell off my file a few years ago. I was never approached to pay it and didn’t, only a few grand. Likelihood of them still coming after it?
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Credit utilisation Vs total debt
Hi folks, I'm trying to reconsolidate some debts and improve my credit score and am after some advice. Here's my situation: Loan- £4k balance remaining, £180/month repayments Credit card 1- £6k balance (at 0%), £12k limit, £150/month repayments Credit card 2- £1k balance (22%), £4.5k limit, £30/month repayments I have…
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Time with bank/account opened
I've had my HSBC current account since 2008 but I thinking of upgrading it to the Advance account. If I do that, will that impact the 'account opened' date on my credit report? I.e. if I switch today, will that 'account opened' date change to today or stay as the date the account was originally opened in 2008? Curious as…
