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Judgement that is not mine
Hello, There is a Judgement on my ClearScore Credit Report that is actually my father’s and nothing to do with me. How do I go about having this removed? Thanks, Kane
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Complicated Situation - Help needed regarding CCJ
Hi Guys, (for a family member so when i say I it means family member) I took a payday loan out many years ago and i was going through a tough time. The company name was different money. Basically couldnt end up paying so went to court and got a CCJ. However a repayment plan was made every month of £25 through a pension…
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Account closed... what’s next?
Hi guys, Apologies if this isnt in the correct forum! I recently received a letter from a debt collection agency for a credit card I didn’t recognise... after speaking to them today, they have decided to close the account as the debt is so old (8 years) that they were unable to verify what address it was opened at etc.…
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Default on credit file query
Hi all I had a balance with Very (shopdirect) for £82.37 whereby I had missed the payments for a couple of months and because it was linked to an old address I misses correspondence chasing the debt. I realised early last month about the debt and changed my address to the correct one with them. On the 31 July when I got…
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Multiple credit checks
I came back from living overseas 2 years ago and have been in my house which I own for 21 months. When I came back I could not get a mobile phone contract as I had no credit history or job. I got a credit card with a low limit 9 months ago. Online banking now tells me I am 'highly likely to be accepted for a credit…
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How Long until a late payment becomes irrevlant
I just got off the phone to experian and they said its 6 months before they ignore late payments. I appreciate other lenders have different agendas and criteria On average when does 1 or even 2 late payments become insignificant? 1 year? 2 year? This is of course providing you have made payments on time since the last late…
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Credit File Amendment in Writing - Help
Hi, I have an issue in which i was told as a goodwill gesture i would have an amendment of my credit file for a late payment . This was done on a live chat in which i have the conversation as proof. I questioned if they have the authorisation they said yes, i confirmed 3 times so there was no confusion of everything that…
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Default Account Sold to Debt Collector
Hi. I know this has been asked before but i have forgotten how this works. I had a default with someone who then sold the account to a debt collector. If i wanted the default date amended or tried to get it removed who would i contact? The original lender or the new owner of the default. The default name has changed from…
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CCC made by Drydensfairfax on behalf of Erudio
Hi all. This is my first post, so please be understanding if I haven’t done anything right! In 2010 I had almost paid off my student loan (1997-2001). However, I was made redundant and had to defer year on year. The SLC handed over the debt to Erudio. Around 2013 or 2014, my wife paid off the debt. We can’t remember if it…
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Royal Mail Postal Redirection On Credit File
Has anyone heard very recently of a Royal Mail Postal Redirection shoeing On their Credit File? I have moved out from living with my ex, I was not linked to his home by his mortgage etc, essentially just paid rent to him. I’ve moved back to my parents and redirected my post. When applying for a brand new hsbc mortgage, I…
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Potential Rating due to Moorcroft Debt Recovery
I have been contacted by Moorcroft Debt Recovery who are claiming that i have a debt of £3,745.04. This relates to mortgage arrears a property that I sold circa 1993. I believed that I had previously fully repaid all monies via Lowell Finance around 7 years ago. Upon receiving this letter from MDL, I asked them to furnish…
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Should I increase my credit limit?
Hey I've read on here that generally if can increase your credit limit you should take the opportunity to do so, as long as you don't get into a situation where you're unable to pay it off completely and quickly i.e after 1 or two months. I currently have an excellent credit rating according to Experian (988) and whilst I…
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118 118 Madison constantly searching my file.
I know that a soft or "quotation" search doesn't mean anything, doesn't harm anything etc etc. And yes, these are "soft" searches. But none the less why are "Madison Cf Uk LTD T/A 118 118 Money" CONSTANTLY searching my credit file (particularly Transunion). It's actually a real pain because when I am trying to have a quick…
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giffgaff closes free credit report service
giffgaff is pulling the plug on its free credit report service from 30th August 2019. From an email they sent me: More info here.
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Debt management plan- defaults versus arrangement to pay and effects on future credit
Hi, I am hoping someone can advise me on the following, I have been reading previous threads etc but need some clarification. To cut long story short, I recently entered a DMP with Stepchange- some of my creditors have marked a default, which I understand will drop off in six years, so around June 2025. Others have marked…
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Car Insurance Credit File
Hi Guys, Took out a car insurance policy with Tesco Bank today and signed up for the monthly payment offer as it wasn't too steep. The advisor said they only soft check and don't report to credit agencies unless you default. Does that sound accurate to you guys? Their documents are quite light on the ground surrounding…
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Advice on ways to improve report
Hi there. I am looking for ways to improve my report, My scores are between 397 and 472 but from what I gather this is for my own personal use and lenders do not see this. I had struggled with debt in my twenties, now in my thirties I am hoping to be accepted for a mortgage in a couple of years time. I have accessed both…
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Link Financial
Hi everyone, I’m new here but just looking for some advice regarding link financial. My relative had a Lloyds credit card back in 2016 when he was in the navy, when he came out he couldn’t afford to pay the card anymore. He called Lloyd’s and explained his situation so they moved him over to Westcott. He has paid £60 a…
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Experian and Equifax can't find me on the system... So have non existent / bad credit rating
Hi all, I'm a first time poster and asking for advice as I really don't know what to do. The current state of things is none of my credit history is feeding through to either Experian or Equifax including my credit card, current account history and electoral role registration. I have a long history of good credit behaviour…
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car insurance credit check
Hello my car insurance is due next month im planning to pay it yearly. if do that will they carry out a credit check on me? id expected it for monthly payments but unsure about yearly.
