-
Ovo Energy Experian concern
Morning folks. On checking my Experian credit report through mse credit club i noticed Ovo Energy have marked numerous "U" markers (unclassified) against monthly payments over the last 20 months as well as the usual green ticks on other months. I contacted both Experian and Ovo (no response). Experian came back with this..…
-
DRP parking fine
Hi, I have read a Lot of threads on here but I am confused as people are saying do not pay, DRP will not result in a CCJ. Well I had 5 in total all for parking at work ( I knew I couldn’t park here but as it was private company I was stupidly advised to ignore and parking here would be ok) WRONG. I ignored drp/Gladstone’s…
-
Very default and my credit rating
Hello, I’ve come into a problem with a old defaulted very account. Very sold my account last year to a debt collector Lowell I’ve paid them successfully last year but on my credit report very is still showing as active and that the money is owed still so each month I am defaulting on a account I can no longer use and will…
-
£5.59 turns into £345. 59 debt
Hi all I would like an answer to this question. I was checking my credit score as i want to get myself debt free down to under 1000 now so i set about checking the balance of my accounts. Years ago i got into debt with a credit card with littlewoods. I setup an arrangement with littlewoods barclay via standing order never…
-
Can someone help me with N Hunter SAR info
So basically, I requested all of my data from synectics solutions, CIFAS and N Hunter - I have received back the first which is N Hunter. From the looks of it, it's just my applications for credit - there's around 8 PDF documents I've received. All of them have something which says Overall Status: Clear, and most but 1 say…
-
Store card - get rid of or keep?
Hello everyone: I am a bit of a novice in this area but I have some understanding. I wrote a post previously (about a year ago) about addressing my financial situation - I had a student overdraft that I had for decades, a high interest loan, a large credit card balance and a store card from Argos with a buy now pay balance…
-
3 Matching Reports
Morning all. Should i be making sure that all the info from all 3 credit reports all match? Some things are appearing on Equifax but not on Experian. Sorry if this sounds dumb but never had this explained.
-
Direct debit advice please
My daughter is currently going through a difficult separation/ the house is in joint names but her partner pays the gas and water bills. He’s stopped the dd for these, and she because of working part time is unsure what to do as she doesn’t want to suffer regards credit listing and impacting upon her ability to get credit…
-
Student Overdraft and Credit Rating
Hi all, Have been doing some reading and I plan to max out (or nearly max out) my 0% student overdraft and deposit it in the highest interest savings account I can find. I think I am quite disciplined with my money and will always make sure I have enough to pay back the overdraft if needed, but will being continually…
-
Advice Please
Hi, Looking for some advice please. I currently have x2 credit cards, one with a zero balance (active since May 2017) the other recently opened (May 2019) for a balance transfer when the promotional period on the first card ended. On my new credit card I'm currently at around 50% of my available credit and slowly paying…
-
Car lease declined
Hello to all of you, Please consider moving this to the adequate section of the forum in case this is not in the right place. I applied for a car lease through BMW, Alphabet and I was declined by the lender. The lease is for £8,500 with an upfront payment of £2,600 followed by monthly payments for 2 years. Now I get a car…
-
Fraud
Hi all looking for same advice for my daughter yesterday she arrived home to a letter from her bank re a credit card account being opened in her name luckily the bank had taken immediate action and have flagged her account today a letter has arrived re a new bank account with another bank that she has apparently opened she…
-
Should i open an overdraft?
Hi folks. Loving the tips and advice on this forum. It's been a real game changer in helping me improve/build my credit history after default (paid) back in 2016. I recently posted on the credit card section that I'd been accepted for Barclaycard with a 5k credit limit (thanks to mse eligibility checker). This was on the…
-
Saving for a mortgage - default on credit score
I have £1500 left on a defaulted account (dated July 2016) charging no interest. I’ve been re-paying £10 a month for around 2 years, and upped it to £40 about 3 months ago. I’m also trying to get out of my £1275 overdraft, reducing it by £100-£150 a month. I’m also currently saving for a deposit on a house in small monthly…
-
Credit score gone down
Hi, can anyone help me understand why my score has gone down? My credit card balance is 0 as I’ve paid it off, i’ve no long term debt and I’ve been making all my bill payments on time and yet my score has been dropping month on month. I’ve recently managed to save money for a deposit to buy my first home but can not secure…
-
Left the UK 3 years ago... suddenly a CCJ appears
I'll do my best to keep things brief! I haven't lived in the UK for 3+ years now, from memory when I left all the bills were moved over to my housemate, but I know some companies aren't great at dealing with that. Looking at you, Virgin Media (but to my knowledge that's just to the extent they still send me surveys at…
-
Impact of someone elses credit history
Hi, Could anyone advise on the below scenario please, basically I'm concerned this will affect my own credit history which is near perfect. A family member has a very poor credit history and ultimately was declared bankrupt a few years ago. They are currently living between B & B's so they don't have a fixed address. They…
-
MSE credit club scoring broken?
I had signed up to this tool when looking for a good credit card to select and after applying was given an £8.5k credit limit straight away. One of the bizarre things I noticed however was that it rated my affordability for loans and credit cards as very weak despite having a high disposable income and almost no debt. The…
-
Inconsistent addresses/mortgage prep
Hello all, I am in the process of tidying myself up in the hopes of buying a first house this time next year. My credit report has no missed payments, low debt to income and low% of credit used. So far, so good! One issue is that between 2014 and 2018 I struggled to find work after graduation. I moved around so much and…
-
Old satisfied account now appearing in default
I had a default notice added to an account in August 2013. I became aware of this old notice when going through a mortgage application. I made the relevant calls and paid the outstanding balance. It was noted as satisfied and has been a closed account. The notice ought to have disappeared from my credit file in August 2019…
