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Taking Out Credit on Multiple Items at Once
Hi all, I’m currently about to start university, and during my time at uni I’d like to fill in some educational gaps - essentially, I want to sit the third A Level I never had the chance to. I can study my third A Level online, and pay for the course in interest-free instalments. Would it be unlikely for me to arrange…
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Impossible Situation
Dear members, Please be so kind to point me in the right direction here, if in fact there is any direction to be pointed too. Before I start, I am very aware my son acted firstly like an imbecile and more to the point fraudulently. This is unfortunately due to his gambling going completely out of control. This is not to…
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Credit score once loans are cleared
Hi all. I’ll try and explain briefly if I can. I stupidly got myself into a fair amount of debt proportionate to my income. I have a car PCP for 13k which I can’t get out of. I currently owe around 6k in loans. I have an asset worth 6k which i am going to sell to clear the debt and hopefully clear the smaller loan. I…
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GDPR & Direct Marketing
I seem to be getting more unwanted post for subprime cards/loans so have started sending section 21 notices to stop direct marketing, which is working but typical responses back include So have tried sending one off to experian, lets see if that works. Anyone else tried to get CRA to stop passing on info for marketing…
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Monthly insurance payments
Hi all. Brief background; we have just been given a mortgage offer that runs to 31 Dec '19, at worst our completion date may stretch into 2020 and therefore a new mortgage product will be needed, meaning a new credit check. As we are ending our tenancy once we move out, we do not want to pay a years home insurance and…
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MSE Credit Club Experian report error
Evening all, new here. Just hoping someone could offer some help really... this week I am unbale to access my Experian Credit Report when logged into MSE Credit Club. It starts to load then just presents a 'failed to get your Experian credit report' error. Has anyone else got this issue at all and is there a workaround?…
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Stick with late payments or ask for default?
If anyone could give me guidance please.I have an account with late payments marked every month from feb16-nov 18. It was under default but they removed it as good will gesture and replaced with all these late payments. Would my credit file and score be better keeping these 30 consecutive late payments or try and get…
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Huge score difference between agencies
Can anyone advise me on why my credit score with Experian is "excellent": almost the highest it can be. However with Clearscore it's poor at around 290. I am looking to remortgage soon so need to get my score at its best!
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New Free Credit Site - CredAbility
Anyone have any news of this? I just received an email about a new site coming to town called Credability. Nothing else mentioned apart from that. A free credit file app for users. I guess it will be the same as clearscore, MSE, total money, Credit Carma etc Just thought id spread the news.
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Current account missing
Does it matter that one of my current accounts is missing from my credit report?
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Late payments on credit file with N-power account
Hello Looking for abit of advice from people that are alittle more clued up on this then I am! Back in 2014 I lost my job and in August 2014 fell into appears with my N-power account, I stupidly buried my head in sand and didn't correct it straight away. I got back into full time work 9-10 months later and phoned them to…
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How long do closed accounts stay on my credit file
The question s like the title says... How long will a current account show on my credit file after its been closed, and what does it mean for my credit-worthiness? Thanks!
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MSE Credit Club down again?
The "score" page works, however I cannot get to the actual report: Credit report failed There seems to be a problem getting your Experian Credit Report. Please try again later.
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Weirdness in ClearScore Upcoming Changes
My ClearScore report shows several "Upcoming Changes to your report" which are concerning. Essentially a current account and a loan, both from NatWest and neither of which I recognise are listed as both being added and removed from my upcoming report. Is this likely to simply be a clerical error or might there be something…
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Credit Report over 6 years
Hi, is it possible to get a credit report that goes back more than 6 years? Ideally I would like information going back to the mid nineties. Thanks
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Close or keep open credit card accounts
Hi all, So when i've paid off my 3 credit cards which is due to be done before xmas. Is it best to keep them open with no balance or close them completely? We're saving for a mortgage so want to know the best way of doing this. TIA
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CCJ - likely to get set aside?
Hello- I received a money claim in the post but, as it arrive in an unmarked white envelope and was not expected, it was not opened until about a week after the deadline when I was clearing out junk mail. At which point I replied immediately. The claim was for libel, which is not allowed in small claims court unless both…
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Paid off all debt, have 8 defaults, now what?
So, I stupidly managed to get myself in to debt again as I dropped to a lower paid job (better future earnings so it isn't regret, I enjoy it also) but didn't want to drop my spending. I've just paid off this month a total of £2900 of my debt: * £500 Santander overdraft (was costing me £1 a day!) - Closed the overdraft *…
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Long Term debt on Clearscore
Hi!!! I downloaded the Clearscore App not that long ago and have checked it every so often over the months. However, i need some serious help understanding what's wrong and what i need to do to make things better. Firstly, it says on the app that i have a "long term debt total of 9,781".. what could this possibly be for?…
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Missed Energy payment
Hello All Not sure if this is the right board or the Mortgages one would be better, but here goes. I moved in to my rental property about 18 months ago and as part of the move I changed electricity suppliers to the best deal I could find in the market. However for the first 1 month or so after i moved in, that the property…
