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Cancel credit cards?
Hello, My wife and I will be applying for a mortgage in roughly 6 months, I am looking for some advice on the best course of action regarding some old unused credit cards (we had them at a point when we're could only get high interest credit) Current situation is we are totally debt free, currently using 1 card each to pay…
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Debts not on file
Once a debt is no longer on your file does paying it off still improve your credit rating? I am ploughing through my debts and one is due to drop off in January. I aim to pay off everything but wondered if I'm better tackling things which are still active first?
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CIFAS Removed but still getting declined
Dear All, I had a CIFAS marker unwittingly placed against me for mortgage fraud because a previous broker applied for a mortgage and entered a catalogue of inaccurate information. I received DSAR from CIFAS, which informed me NatWest had applied the marker in May 2018. Anyway, I have unpicked the mess and NatWest have now…
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Looking for tips re personal debt
Dear all This situation is due to my business failure earlier this year (plus my own stupidity which I’ll leave aside for the purposes of this post). I had to close our business. I used our credit cards prior to closure to finance operations. It has left me with card debt I won’t get back. I’m struggling now to meet…
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PRA Group Credit File
Hi everyone, Apologies if this has been asked before!... I have two defaults with PRA that were sold by Barclays in 2014. One is an unsecured loan and the other was a credit card, I’ve been making repayments to PRA since it was sold on however, I’ve had a nosey at my credit file today and I’ve found a discrepancy. It…
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HSBC Credit Report Updates
My Partner and I are trying to apply for a mortgage with HSBC, to borrow what we needed we had to settle an HSBC Loan she had with her ex-Husband, which was done on 2nd Dec 19. Even though we have provided HSBC with proof it was settled, they are saying we have to wait for this to reflect on my partners credit report. She…
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Credit score ruined by Severn Trent
hi everyone , it’s my first time posting , hope you can help. As stated in the title my credit score has been ruined by Severn Trent . Backstory The account use to be in my fathers name , he was having a long running dispute over payments , basically Severn Trent had somehow linked our water meter to the next door property…
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Can an erroneous gas bill affect my credit rating?
Afternoon all, I have received a back-bill from Shell, currently being disputed as it does not comply with the Ofgem back-billing principle. Shell cancelled the DD, moved it to the Resolution Centre and things are proceeding as expected. I received an email from the billing team telling me that I have an overdue bill (the…
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Financial Association Advice needed
Hi Everyone, Looking for a little advice please as I have just noticed a financial associate link on my credit file from 2012. There is no active credit agreements showing on my file for us together, just the associate link. I was added to her spare bank account so that we could jointly pay bills back when we lived…
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Using credit card Properly for credit rating
Hi there I am probably overthinking this but just wanted to double check some things. So I have been having a nightmare with my credit rating for the past 2 years because of Three mobile entering the wrong address and then not closing my account leaving a default on a credit file with the wrong address so up untill about a…
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Hoping for a little help.
Back story. My Dad died a few years back, while I was already in a huge battle with depression. Took a couple years to sort out, and in that time I got into a decent amount of debt while not working. Fully appreciate that it's my fault, and that I do/did owe 90% of the money. Most thing are now clear, thankfully. Now on to…
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How long does it take to update
Hi all, I’ve paid of the remainder of my Barlaycard balance today. I wanted to do this ahead of applying for a remortgage and wonder how long roughly it will take to update on my file as I’m worried my application will fail on affordability if the balance still shows? Thanks in advance.
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Stable credit rating
Hi, I need some advice as I have just looked at my credit report and it says it's stable, is this a good thing or a bad thing? recently I just opened a new studio personal credit account which I didn't think I would get as I thought my credit rating is bad but when my studio account came back successful and they offered me…
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Refused what should I do
Talk Talk and Three have been a nightmare. End of contract with Talk Talk now so applied for Three broadband as my phone and direct debit is already with them but refused credit as it's apparently another account and that failed. (mabe too soon after setting up the phone?) I'm retired, everything paid off, no loans, never…
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Removed for privacy
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Experian
My credit score has gone from 963 to 505 in one month for no apparent reason... :mad:
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CIFAS marker and renting
My parents want to leave the flat under my name when they go back to Portugal, I’m pretty sure I have a cifas marker so would the council allow it to be under my name and would they check I have a marker? Thanks
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MSE Credit club
Hi All Can anyone advise me why I may not be able to login to the MSE credit club credit report? It keeps telling me that I have failed the identification process. I did move house in July, other than that all of my other details are exactly the same, I haven't changed a thing other than update my address.
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cifas marker category 4, help!
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Jacamo credit increase
Hey guys New here so I'm hoping I'm posting in the right place My credit isn't the best but I've got Brighthouse and 2 sim only contracts and a Jacamo catalogue I'm just wondering how long was it before you guys got a credit increase with jacamo I've being with them 13 months and I'm still on £125 I've paid it off 3 times…
