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Best way forward
Hi folks, I wanted to ask some advice on repairing my credit file or if not the best way to prepare to wait out the 6 years until the defaults drop off. I ran into trouble last year (long story) and coudn't service some of my unsecured debts 2 Credit cards 3 Unsecured loans 1 Overdraft. 2 of the credit cards and 2 of the…
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Catalogue account
Hi! So the other day after many years of having a catalogue I thought that I would just bite the bullet and apply. To my surprise JD Williams accepted me with a £125 limit which isn’t extremely High, but am so grateful that they have accepted me after my rocky history with very and little woods. Basically a long story…
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National Hunter
Hi. Could somebody help me. I need some explanation. I was refused to get a mortgage. I applied for Subject Access Application Form and found out that I'm in this list. There are some inconsistencies from 2 different banks. Now I'm confused. I don't know what I need to do next? Could somebody explain me step by step ? 🙏🙏🙏🙏🙏
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Linked addresses and getting a mortgage
Hi all, Do linked addresses negatively affect your credit file and ability to get a mortgage? Long story short I signed a short term tenancy agreement. Landlord isn't playing ball getting the heating fixed. I am looking at getting the agreement ended early, which he has agreed to. Problem is I am saving for a deposit on a…
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Virgin media default
I defaulted on my virgin media account back in 2012. I was paying credit security who then passed my debt on to SRJ debt . Then in June 2015 I got a letter saying they were no longer acting for virgin media and to contact them direct. I did contact virgin media but they had no idea about it so I left it. Now while i was…
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Property Rent on Credit Report
I would like to now how to get my rent reported on my Credit Report. Is it worth it to make it look better? I've never missed a payment.
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Short-term loan or balance on credit card?
With respect to a healthy credit file, would it be recommended to carry a short-term loan on £1,200 with monthly instalments or use £1,200 on a credit card with a £2,400 limit? Both lines managed within the T&C.
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Help getting a ParkignEye CCJ set aside
Hello everyone, I'm looking for a bit of advice on getting a CCJ set aside successfully either by myself or using a solicitor. I would be happy to pay solicitor fees if it improves my chances even slightly. Case The CCJ is for an amount of £197.00 issue by ParkingEye for an unpaid ticket for a parking event that took place…
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Late Payments on Credit File
Hi all I’m after a bit of advice on how successful you have been in getting late payments removed from credit files as a goodwill adjustment. I have 2 late payments recorded by 2 separate credit card companies (Tesco and AmEx) in late 2017 where I didn’t make payment on time. It was completely my fault - I was going…
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Identity Theft
Hello I'm not entirely sure I am in the right place but my 68-year old mother is the victim of identity theft. She only became aware of it earlier today when she received a letter from Clearance365 and Kaleidoscope asking her to verify that she wanted to open online accounts. After speaking to them, an order was placed on…
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Loan amount declared on credit report - please help!
Hi, we recently took out a personal loan to pay off some credit card debt however, when I check my credit report it is the total amount repayable at the end of the term (including all interest) displayed as the credit amount, not the value of the loan. Is this correct? For example if I borrowed 5k, I would have expected 5k…
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Impact of Unused Accounts
Good afternoon, I'm looking to improve my credit score in order to be more attractive for when my mortgage comes up for renewal in the next couple of months. I've checked my credit score or ClearScore and CreditWise and noticed I have old accounts I don't use with HSBC and Lloyd's. My HSBC account I haven't used since I…
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Paying less than minimum payment
Hello again, I got in touch with a company I am in debt to. (My only debt and "only" about £200). They advised me just to pay what I can. It's been marked on my credit file as defaulted each month since not paying. If I was to pay just £1 just now what would that be marked down as on my file ? Thanks.
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Credit Karma - Found some changes in credit report?
Been subscribed to Credit Karma (formerly Noddle). Today I get an email saying they've found changes in my credit report. I click on the link and it refers to a 'noticeable balance decrease' Then shows the last 4 digits of the relevant account. Lender = Santander. And a Portfolio number (whatever that means). Is this…
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Defaulted Twice on same account different companies
Back in 2017 I got defaulted in two credit card accounts, one with Barclays and one with Lloyds. Lloyds passed on the account to Wescot who were collecting on their behalf and I have now finished paying them off in full. Barclays on the other hand passed it on to PRA who by the looks of things and according to my credit…
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Very Account
Hi, Not sure this is the right section to put this but I couldn’t see a section regarding my issue, My issue is with VERY, the online shopping company. I have or should I say had a £900 credit account with them and I’ve had it 10 months, September 2019 I requested them to close the account, they said it takes around 30…
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Very Account
Hi, Not sure this is the right section to put this but I couldn’t see a section regarding my issue, My issue is with VERY, the online shopping company. I have or should I say had a £900 credit account with them and I’ve had it 10 months, September 2019 I requested them to close the account, they said it takes around 30…
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Companies won't remove default from file
I had a DRO that ended in May 19. There are a couple of companies who still have default oustanding balances listed on my credit file. I have written to the credit controllers with proof of my DRO but nothing has changed. How do I get this changed to show that it is now settled? Thanks
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Credit building advice!
Hello, looking for some advice. Sorry for the long post, trying to set the picture here… I am currently paying off a credit card with Barclaycard, circa 3K remaining. I have not missed payments on this account since a few years back, but have only been paying the minimum each month. Looking at my credit report, it is not…
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Missing Credit Information
I recently ‘disputed’ information on my credit file, whereby my Halifax Mortgage was showing as ‘Late Payment’. In fact, it wasn’t a late payment and have the bank statement to verify this, hence why I disputed this. It was back in August and my dispute has since been closed and that the information they had was correct.…
