Credit file & ratings

Archives for November 2019

CCJ from guarantor loan company. Options/possible 'set aside'?
Hello forum, I'm in tricky situation and need some advice so here goes! I took out a 'guarantor loan' in 2018 with my wife as the guarantor. We are separated and everything proceeded well until I had ill health earlier this year and she had to cover my payments for a short period of time. I recovered and continue to pay a…
Will a Cifas entry that has been removed show up in a background check.
I was a victim of fraud about 7 years ago. After some investigation, my bank told me they won't put my name on any fraud database, but they forgot and added my name there. After a year or 2 of rejected applications, I decided to contact the bank and ask why I am getting rejected. They apologized and said they will remove…
Erudio CCJ Surprise
Hi. I'm new to all this and would really welcome your advice. Back in 2017 I was in email contact with Erudio Student Loans following an unexpected Default Notice. They informed me that there were two periods of a few months where they said my deferments had not been received and these dates back to over 5 years ago. I…
If I cancel a direct debit does it affect my credit score?
Afternoon all! I've been working on rebuilding my credit score, and slowly but surely I'm getting there. I had a bill come out over the weekend that I'd completely forgotten about, and it's wiped out my funds. I've got two bills due out on Wednesday, but I get paid on Friday. If I cancel these then pay straight away on…
Credit history when moving abroad
I've read online that your credit history doesn't follow you when you move abroad but can your credit history be used to give you a boost kinda thing? Or is it completely worthless? Whether my credit history is amazing or completely wrecked makes no difference if I moved from the UK to another country, like America? What…
Lowell / Three / Defaults
Hi all. So sevenish years ago I had a mobile contract with Three. I had 2 devices so 2 different accounts appeared on my Credit File. I defaulted on both of them 5ish years ago after Lowell had taken over the repayments. These both appeared on my file as ‘Lowell (Hutchinson 3G)‘. Fast forward to a month ago and I decided…
Credit card application declined
I am first time buyer and recently had mortgage approved, just waiting for it to go through, I then applied for 0% purchase credit card but was declined. I have good credit rating, no outstanding loans, I already have a credit card but it is paid off in full each month and some months not used so not sure why I have been…
Bank switching and credit score
I'm hoping someone at MSE towers picks this up and campaigns against this as I don't think it's right that switching bank accounts, without any borrowing such as an overdraft, should affect your credit score. We're being super savvy to save for a mortgage yet our credit scores are lowered every time we make a switch...bit…
Credit declined
Hi I have applied for a credit card limit increase and a personal loan in the last few weeks and both have been declined. I reduced my credit limit from 5k to £100 at the start of my maternity leave in May 2018. I have been back at work since May this year. I was wanting to pay off my car finance and pay off some of my…
Need a loan but will it affect my mortgage?
Hello, Just wondering if anyone can help? Looking at my credit it isn’t too bad no defaults of ccjs it is really just my credit cards I have 2 one is £1750 and one is £1050 and then I am also in my overdraft by £500. I am really embarrassed by this but being naive I didn’t think of the consequences and got excited at just…
Appallingly Unfair.
Hi morning! I took out a contract via Carphone Warehouse 7 months ago, and returned the device and cancelled the contract on the 11th day. Was advised everything would be sorted and completed, however it was not and EE and Carphone Warehouse have both apologised and accepted that it's their fault. I added my old address to…
Money Claim
One loan 'application only' has had negative affect - is this normal?
Hi there, I'm sorry I've searched threads but can't find anything specific. I applied for a car loan recently, and had a good offer from Tesco bank at 2.9% I decided not to pursue it as I couldn't find a car I liked at the time. Last week I found a car, so applied again. But this time the APR was 9.4%! Same bank, same…
Overdraft - defaulted
I had a buffer overdraft with Natwest (just £100). An extraordinarily large electricity bill came in (a bill that's normally paid by direct debit.) Instead of rejecting the amount due to insufficient funds the bank cleared the payment and it sent me way over my overdraft. I was obviously being charged for un-arranged fee…
Aliases
I have just checked my credit report on mse experian and it says I have 7 aliases, I only have my maiden name and married name. How do I find out what they are? It just says Aliases 7 Confused as to what the others could be or how I get the taken off. Tia
Aqua credit card: effect on mortgage applications
I am looking to buy my first home in less than a years time. I want to make sure that I’m in the best position possible when it comes to applying for a mortgage. I’m 25 and I have had an Aqua credit card for the last three years, my credit utilisation is low and have no defaulted payments, as full payment comes out of my…
Who can view your credit file
I just wanted to get a better understanding of how credit files work. I know banks/ creditors update your credit file monthly, but can they view it when they do this? For example, if you have a bank account without credit, they update your credit file each month, but can they also continue to see what's on there? Or only…
Credit karma
Sent forgotten password request and emails to them a week ago . . . So far no response from them.. What's occurring ??
New to credit score and reporting...
Hello everyone!, My son just turned 18 yesterday and he like me is interested in finances and he wanted some advice on how to start building his credit as soon as possible. I gave him some advice to the best of my knowledge but I'm not sure what's on the market for youngsters these days. Any advice would be greatly…
CCJ setting aside
Hi Everyone, I'm new to this forum and am just hoping to see if anyone else has gone through what I am currently experiencing. To try to be as brief and concise as possible, I had outstanding tuition fees which the university I attended referred to a DCA which I was paying on a monthly basis. The company collecting ceased…

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