-
Ways to improve credit in 5 months
Hey guys, I am buying a car through an auto-loan next year. I have 5 months to improve my credit score and wondered how you guys have personally raised your credit scores. I know there are lots of articles out there, but I am interested for your own personal ways that you have done this. I have signed up for an electoral…
-
CIFAS vm2
Hi I wondered if anyone could help please, i took out a virgin credit card, after only 1 week my account was put under review no explanation and struggling to hear anything from virgin. I have logged on to clearscore and it show a cifas type vm2 has been registered, what is VM2 is this about a review by virgin ? i am…
-
Debt letters, but not my debt
I have been starting to receive debt letters for virgin media. The letters are in my name, but not my address. How can I dispute it? I know who has done it, but I know they won’t clear the debt or my name and haven’t replied to my messages about it. Thanks.
-
Advice on ccj and credit file
Hi, I have a ccj from years ago, it is due to drop of my file in march 2020 I think as that will be 6 years from when I got it, however in the new year I will finally be in a position to pay it off. My question is will paying it off in january and having it marked as satisfied cause it to remain on my file for a further 6…
-
Get rid of poor limit credit card?
Hello I’ve suffered with bad credit in the past so I got a Vanquis credit card about 2 years ago £150 limit high interest rate and doesn’t seem like there going to ever put it up I’ve since been able to get a 500 limit with MBNA with an ok interest rate And now a lloyds credit cards with a £3000 limit and a low interest…
-
Bank Closing Account in 60 days
So here is the story, I noticed some transactions my account associated with a PayPal and 32red. I queried these as being transactions I didn't really recognised. I was then re-debited £430 by the bank. The bank then sent the result of their investigation and turns out it was my step dad who had used my card. I finally put…
-
Credit card assignment letter
I had a credit card many years ago and was paying a set amount each month to clear the debt direct from my bank. I had stopped using the card years ago also.I move around alot with work and change address a lot so the direct from bank set up was good for me.I have recently had some mail picked up for me and in the pile was…
-
Linked Associates
I wonder if anyone can give me some advice please. 8 years ago my ex-husband and I separated in the February of 2011. We eventually sold our house in November 2011. The solicitor dealt with all the finances at the time, paying off mortgage etc. Recently, I have had reason to check and be on top of my credit file and I can…
-
Unfair default on my credit report
Hi there I recently did a credit report on my finances for the first time. I was a little shocked to learn about a default that appeared on my files as from memory there was nothing I had defaulted on. When I looked at the detail, the default was a £15 debt from my old mobile phone company who I did not hear from about…
-
Default re added after removal-closed account...mortgage application
Help help help!!! I had account that was defaulted. After complaining to the company regarding irresponsible lending. This default was removed over a year ago when the account was settled. Randomly the default was added to my account in May. I contacted the company they apologised and amended everything back to as it was.…
-
Closed Accounts On Credit File Query
I had a long standing loan which was recently passed to a collection agency. I agreed a settlement figure with them and paid it off. When I check my credit score, the account with the collection agency shows as settled, but the original loan account with the lender is still showing as defaulted. So when will they stop…
-
Active account reported as closed
Yesterday I received a message from Credit Karma about a change to my credit score and out of curiosity logged into my my account to check what's going on. To my surprise I found that my CC account with Sainsbury's bank is closed and settled on 29 November. Which was a total shock to me as I have not received any…
-
Stoozing 0% overdrafts
Hi all, I currently have a total of £5k drawn from 3 different overdrafts at 0% which I have stoozed. As a consequence, my credit score has fallen very low & I don't really expect it to improve. I have no other debt except a credit card that I pay off in full each month. My overdraft eligibility is expected to continue…
-
Virtual Lease Services
Back in March I bought a camera on finance from Jessops. I have been making payments to "Virtual Lease Services" ever since. I'm looking to find out how much is left to pay on this camera, but I've no paperwork, no emails from the company and just the direct debit going out every month. A quick Google brought up Klana, but…
-
RBS credit check (unauthorised)
Hello I'd be interested to know if people have any experience with the following. Last week I started a current account application with RBS, to switch and make the most of the £150 bonus. However, I didn't have my old account's debit card to hand, so abandoned the application. A couple of days later, I get a notification…
-
Consolidation of debts, what next?
Dear all: I have been writing on here on various boards for about a year (this is not in any way a gloating post, I am not proud of having got into this situation in any event) This time last year roughly I had the following debts (no CCJs or defaults): 1k Likely Loan I owed about £400 £800 agreed overdraft that I was in…
-
Missed a direct debit today
Just noticed on my banking app my direct debit for my car payment bounced today cause I was £14 short. :-( I’m going to ring up tomorrow to pay them, Will this go down as a late payment on my credit file? Praying not as hoping to get a mortgage next year.
-
Bitcoin Scam & Bank refusal to help
Hi everyone, not really sure if this is anything more then a last ditch attempt at getting a different perspective on a very concerning issue but here goes. In as condensed format as I can make it: Friday night, came home from work and the wife was transferring some money to someone. i quizzed her about it and it turns out…
-
PayPal not updating my Equifax credit file for 5 months
I have called them countless times, each time they keep putting me back in the queue. It was only £139 but it was paid off in August, and the Equifax file has just gone into unknown as they've never updated it, it's been updated on Callcredit/Experian just not this. It's really starting to irritate me, I'm not sure what I…
-
New comer in UK and credit score funny story
Hello, I'm in UK since less than a year. Based on experience elsewhere, for me here the credit score makes me laugh. So, they want me to take a loan to show them I'm able to repay, or get a credit card, well in both cases I can't because everybody asks 3 years of address history in UK. Then actually I've got a stupid…
