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Increasing my score via paying card off in full - question re this
So essentially, I should set up a direct debit for the full amount and just spend my outgoings (ie petrol, food) then clear the full amount via direct debit. I know it sounds simple, but my question is: if they report before the repayment date, won’t my credit show as an outstanding balance therefore decrease not increase?…
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Category 4 cifas
I suspect that a company has registered a category 4 CIFAS market on me, I am waiting on the result of the SAR. My concern is that my existing bank accounts unconnected to the company that may have loaded the CIFAS marker will be closed. What I am wondering is do my existing bank have to have a reason for searching for me…
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Credit report error
Hi I have a clear score report that updates once a month and I have had an alert on it to say I have a new hire purchase agreement going to be added when it next updates 24th September Agreement is with Volkswagen although I have had no business with them so am worried I have had my identity stolen, rang Volkswagen gave my…
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How much is my CCJ going to affect me?
Context: I have worked abroad for the last 5 years I have a house in the UK which I Iet out during that time. I have now returned to my house to live in the UK again. While I was abroad I gained a CCJ because bills that I knew nothing about were sent to my UK property. I only realised that I had a CCJ when I randomly…
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Phone contract application declined, is my credit score the problem?
Hi, I want to take out a phone contract but I have been declined. I think my credit score is the reason as it is at 248 and that is very poor. The reason why it's that low is because I was 18 at the time and had completely nothing in my name so I decided to take out a catalogue loan. I was paying it off on time for a few…
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What to do about Default?
I have a default from Barclays showing on my credit report for 354 pounds. It first showed up as a default in May 2015. Is it true that if I pay it now, the 6-year clock restarts, so will show on my report for the next 6 years? Would I be better just not paying it and letting it disappear? The bank have never ever…
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Documents went missing in post - security risk?
So I had to send all my proof of ID (and my husband's) to our mortgage provider, the letter was obviously addressed to a financial institution. As well as serveral forms of ID this also included details about our bank account and mortgage. Bascially just about every piece of information you'd ever be asked for to prove who…
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CCJs and attachment of earnings
I received a CCJ 5 years ago, with the court enforcing an attachment of earnings. The deductions have continued since then, leaving £15k of the original £21k debt. My question is: Does the credit report expire 6 years after the CCJ itself - ie from 5 years ago, or from when the debt has been completely paid off via my wage…
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Default already threatening AP Marker
So a long story condensed as much as possible, 1) Quickquid debt not paid 2) Sold to Asset Collections who file to go to court through TM Legal services 3) Mediation agreement reached of £65 per month (has been paid for last 12 or so months and I intend to continue until paid off) paid to TM legal services so no CCJ…
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3 year old default
Hi looking for a bit of advice from people who are more clued up about this than me. I stupidly defaulted a credit card account 3 years ago. This was paid off immediately so my credit file is showing a settled default from September 2016. I know a default stays on your file for 6 years but the severity diminishes over…
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IRS adjusted my balance on my 1040 amendment, but did not refund the FICA taxes that I paid (
Long story short, I am an international student, and I wrongly filled 1040A instead of 1040NR, accidentally claimed some of the education credits which I am not supposed to get from 2017. So, I did fill 1040X a couple of months ago to request IRS to adjust my tax balance ( so I owe IRS the balance of $3063). Also, I did…
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How do I contact Experian without a membership?
Every phone number I've tried says you must be a member. I notice on my credit report (via the money saving expert credit club) that there is a mistake on my credit file. So I need to contact Experian to find out what's going on. I've already used up my 30 day free trial several months ago. Is there anyway I can contact…
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Default and late payments same account?? Help please advice needed
I have an account with 30 months worth of late payments on. I have requested the account to be defaulted 3-6 months after arrears. They have agreed to back date the default but advise they wouldn’t be able to remove the late payment markers? I wasn’t aware I could have late payment markers after a default? Basically it…
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Upcoming Court case, Claimant no longer owns debt?
Hi, wonder if someone could give me some advice. I have a court case to dispute a debt from a payday loan provider. I am disputing this as they have utterly failed to follow any form of reasonable debt collection protocol. However, I received notification from the company's legal representatives that the debt is now owned…
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Link Outsourcing and Co-operative Bank
Hello I have a question about debts and debt collecting. To cut a long story short I defaulted on about 14 debts in early 2016. I had been an excellent customer for over 6 years. My life took a sharp turn and i ended up in hospital for 11 months, got made statutory homeless, was put in a local authority care home for 3…
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Who do I owe money to!
Hi, first time poster on here, Im desperate for advice, sorry if this is under the wrong category. I am trying to get my credit score back on track as in the past I was not great at looking after my money and had loans, payday loans, credit/store cards. I wasn't prepared to be an adult, if you're young, foolish and offered…
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Trying to understand my score
Numpty trying to understand my credit score, so some years ago I had a massive credit limit with Barclaycard, seemed like they just upped it every few months, like an idiot kept using it. Eventually due to other issues, had mental health issues and eventually lost my then job, eventually defaulted to the point ended up in…
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Credit Score big hit recovery time
Hi MSE community, My credit score recently took a big hit, causing me a large deal of distress. Clearscore (Equifax): 464 in July, 333 today (-131). Experian: 950 in July, 864 today (-86 points). Over the past few years I've built my credit file by using a credit card regularly, keeping utilisation below 25%, and paying…
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UK comparison on peoples credit score
hi so me and my hubby have just sold our house and was about to apply for a mortgage. We have had issues with our credit file however we have been working hard for over 18 months to get it back up to scratch. MY husband on equifax credit file had managed to get up to 395 points and we was expecting him to be in the good…
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Cifas Query
Hi all, So I have a Cifas mark against my name from Barclays. I've put in a complaint and hope to have it removed soon. My question is this, I need to become a joint signatory on a Lloyds account. They refused me for a normal account around 6 months ago which is why I found out about the Cifas mark. The Cifas mark accuses…
