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Incorrect CCJ
Advice please It has only recently come to light that a couple of years ago I was given a parking ticket (not disputed) but all correspondence relating to the ticket was sent to an incorrect address. I live at number 2A but it transpires that the DVLA had incorrectly recorded my address as number 20. There is no number 20…
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Credit Report query
Hi All, Asking for a friend and I don't know the answer myself and we can't find an ansqer using search engines. They have an account with a catalogue company and had a £150 credit limit - they have since been told as their credit history has deteriorated for the foreseeable future they cannot utilise the credit limit. The…
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Default for £19 - Three/Lowell
Just received a letter from Three saying a sum of £19 has been transferred from them to Lowell debt collection, which has left me a little surprised and angry. I think it's to do with me transferring my mobile number from Three to Vodafone and rather than Three taking out the remaining balance out via Direct Debit as I…
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Provident Payment History
[FONT="]I entered into a DMP with Stepchange in Dec 2017 which has now all been paid, on checking my credit report. For Provident there are 2 missed payments at the beginning. There was an issue with the account number being incorrect.[/FONT] [FONT="] [/FONT] [FONT="]I am querying what has happened to 2…
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When does a default clear?
I have asked this sort of question before, basic backstory is I had a disputed debt from Jun 2013 that the company reported as unpaid till Feb 2014 when they put it as a default. So does that mean in say March 2020 it will be wiped? Just as it still shows as a negative marker on my file.
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Removed from the electoral roll
2 out of 3 CRAs have recorded that I was removed from the electoral roll in December. This is strange as I voted (by postal vote) in December, and have not requested I be removed. How might this have happened? Should I just re register? The issue with that is that is might 'reset' the duration I've been registered for. I…
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Update Regularity
I have a personal loan which I have been paying back without fail. Details have been updated up until October, when they stopped. I just wonder whether the lender is contracted to update within a certain time limit following a change (ie a payment) as surely withholding this information is just as detrimental as having a…
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Incorrect Questions When Checking Score
Hi all, Not sure if this has happened to anybody else but I was advised to check out my credit score earlier with ClearScore so I went through joining the site and checking off all the questions as to be expected but had a few issues... Some of the questions such as "...records indicate you opened a bank account in 2006,…
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Small Claim’s Mediation + CCJ
A claimant has filed a CCJ against my name and I have been sent an N180 to complete by the court. If I go down the small claim’s mediation service route and, in the mediation, can we agree to remove the CCJ as part of my agreement with the claimant? I am not asking for legal advice, but I am asking if it is possible to…
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Credit file search confusion
Last week applied for a personal contract hire car via a internet broker. The finance company were ADL. 3+35 (£340) This came back as declined with the usual no reason given. I currently have a 2 year PCH (not PCP) with VW financial service which I’ve had since March 2018 and that is ending in March 2020. No missed…
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Credit Report Out of date
Evening All, My partner and I took out our first mortgage around a year ago and whilst she is named as a financial dependant on my report and likewise for hers, our credit reports still haven’t updated to say that we have this mortgage. Also, we have been moved in 9-10 months and our credit report hasn’t updated with our…
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Credit score going DOWN
Hi everyone, Can someone please explain this to me? I'm finally debt free. Can't believe I'd ever be able to say this. From circa £35K+ in debt for the last fifteen years to £150 overdraft (£1300 limit)- and I can close it any time I like - my partner and I got a sizeable inheritance just before Christmas, around 28K - we…
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Credit Utilisation Advice
Hi, Just a quick one on credit cards and credit utilisation, not sure the best course of action. I have one large loan and 5 credit cards. I've now cleared the balance on 4 of the cards - wahey! My credit utilisation on the card that I'm still paying off is 85%, but my overall credit utilisation rate for all cards is now…
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Set Aside the Judgment - need advice.
I will be attending my ‘Set Aside the Judgement’ hearing soon. How should I prepare for it? What to bring, what documents? My case concerns a CCJ order. CCJ application and subsequent judgment had been sent to my previous address. I have moved home prior to the application being made and I have not been aware of the…
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DMP - Default and Late Payment records on credit file
Hi, I’m looking for some advice, stupidly in 2016-2017 I took out a number of payday short term loans. I entered a DMP with Step change in January 2018, thankfully I am not in a better place and will be debt free in 2023. After looking at my credit file recently I have noticed a particular company is marking my credit file…
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Building Credit from Abroad
Quick (but potentially daft question): Currently live/work in the Middle East but looking to get my first UK BTL this year but aware that I need to improve my credit score in the next 9 months. Will using my foreign credit card not improve my credit score? If not, would you recommend buying big online purchases using my UK…
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Experian search history codes
Does anyone know what the codes mean in the credit search history on Experian ? P140 P124 P147
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Erudio/ Drydens nightmare
I desperately need advice. I have old style student loans (94-98) which were sold to Erudio a few years back. Up until that time i had been deferring with no problem but when it changed hands I had issues and think failed to defer I basically hadn't sent anything since 2013 outcome I received a claim from Drydens I filed a…
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No credit issues but still declined for mobile phone contract
Post a decline for a mobile phone sim only contract from 3 I checked my credit record - it shows I have never missed any payment on anything (moblie phone, cards, mortgage etc) so can't see any issues Last year I had exactly the same issue with vodafone. I emailed them to ask whey they had declined the contract, they…
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How can I further improve my credit score?
Hi, I am looking to get a mortgage in the next two years so I am trying to be proactive about improving my credit score. Experiam have as fair at 801 and from the information on there is seems to be the lack of credit I have at the moment that is the issue. I have a credit card that I took out just to improve credit score,…
