-
illegal; credit scores
Are credit scores legal ? I refuse to get involved in something so morally wrong
-
Credit score Report missing info
I’ve recently performed a search on Clear score and my score is quite low. The credit cards I am using and my accounts aren’t on my score which is why I assume it is so low. How can I get that information included
-
Current account balance increases and credit score goes down???
Hi folks. I'm puzzled by this problem. Credit karma use Transunion to inform their scores. My score has taken a significant dip because one of my current accounts, with a healthy balance and no overdraft facility, has increased by £400. There are no other changes at all & it is this change that is the one they are claiming…
-
Happy New Year 2020
Gather around people because the moment we have all been waiting for is finally here. Yes, we are here on New Year’s Eve to celebrate a Happy New Year 2020. Since the biggest event of the event is around, we thought of writing one massive blog that could bring the full essence of our site in one place.
-
AR on credit report
I am looking to apply for a mortgage early next year. I entered into a DMP end of 2013 which finished beginning 2017. I have 1 default which has now gone from my report but I have 3 other accounts that have AR on them with ST as last marker. The accounts are fully settled and towards the end of the DMP I paid more than…
-
Stolen Identity
Hello, I have become a victim of stolen identity. The frightening thing is it has highlighted to me just how vulnerable we all can be, because the criminal obtained my credentials i.e. personal information from at least 2 Credit report companies, which are Clear score and Credit Karma, those are the only ones that I know…
-
How soon can you apply for banks/sim contracts etc after being accepted for car finance
As the title suggests, once you have been accepted does it make a difference? Will they rescind your offer if you start having hard searches on your file. Will they even know about it? Same question applies if you have been accepted for a mortage
-
Illegal Credit Report Search - Capquest
Hi, I would really appreciate any advice with the following:- My Credit Report showed a Capquest footprint in October 2019. I have no outstanding defaulted debts and have not missed any payments to creditors. I complained to Capquest 2nd December 2019 and was advised they had no record of this search!!!! Is this an illegal…
-
MSE credit club address
Dear all, Is anyone else having issues with the MSE club personal settings. I need to update my address on it as my score has went down, looking at my most recent report it appears the only issue I can see is that it includes no information about my current address (electoral roll, accounts, linked accounts etc) When I try…
-
Credit check for existing employee?
Hi, After Brexit, will UK companies carry out credit check for their existing employees? I work for a financial company. If they carry out a credit check for me, they will discover my credit mark. I am terribly worried every day.
-
Set aside or settled ccj
Hi i recently settled a ccj on 28/11/19 from 2015 and have been waiting for my reports to update it marked as settled rather than active... anyway just checked my clear score and it says set aside date 29/11/2019 so does that mean it has been set aside as in doesn't exist anymore rather than just settled as I was…
-
8 x 5 year old defaults, where do I go from here?
Can be deleted
-
Default - Original Lender plus Debt Collection agency
I have just had a default removed which was MBNA. My debt from MBNA was sold to Link financial but that default is still showing on my credit report. I was of the understanding that the you can only have one default per debt. Should the default from Link financial be removed from my credit report? If yes should I raise a…
-
Credit file implications
Hi I had a really good credit rating and had paid my debts right down but then got made redundant and had a couple of really bad set backs in life (bereavement and further losses) and foolishly got into more debt. I also suffered from anxiety and had issues dealing with my finances putting everything off. I opened the…
-
How to get car and build credit rating for mortgage
Hi, first time post. Me and my girlfriend are saving for a deposit, but don't have much of a credit history. We have always bought things from savings and not had loans. We have started using credit cards in November and pay them off at the end of the month. We want to buy a car soon. What would the best way of buying it…
-
Default Rules
hi guys I had a account with Vodaphone that I started missing payments on due to financial difficulties in March 2014. I poorly managed the situation and the account stayed overdue and a default was added in September 2016. I have recently been advised the default should have been entered 3-6 months of the accounting being…
-
cabot default date is wrong
Hi there, I was looking to understand my options, if any, around a default from Cabot. My credit file does not show the original default with virgin money credit card I believe the original default was mid 2018. When the debt was transferred/sold to cabot they registered a new default in Feb 2019. I reached a 50%…
-
SMI recorded as an AR/Arrangement on credit file?
Hi, I’m wondering if anyone else has experienced problems with Support for Mortgage Interest/SMI being recorded by lenders as monthly AR entries on their credit file? I have just started receiving SMI and today discovered with horror that my building society will record this as an arrangement on my file. I’m shocked by…
-
Should i take this to small claims?
Hi all, First time posting so go easy on me! I am looking for some advice on this issue I am in the middle of with British Gas. Im going to call them BG in this post. The issue is they incorrectly put default payments on my file, then didnt remove them all after they said they did which over a year later resulted in me…
-
Fraudulent contracts on credit file, how to get removed?
Hi all, I hope somebody can help as really don't know what to do anymore! So back in July my other half was the victim of identity fraud. About 5 phones were taken out using her details. I got a puzzling text that day when I was at work asking why I'd ordered a load of phones, my response was eh? Anyways, shortly after…
