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What should I put as yearly income when asking for loans/credit card?
When applying for loans or credit cards it asks for my yearly income... I have an appointee (social services) that manages my benefits and all my benefits are paid direct to them. My income from benefits is £15.600 a year. I have proof of this from benefit entailment letters. But my appointee pays me a personal allowance…
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phone bill
Not sure if this is the correct place for this but here goes. We keep receiving an EE Mobile phone bill for someone who doesn't live at our address. I have returned them back to the sender, thrown them away and even had an online chat with someone from EE to have them stopped. This was on the 25th October and he assured me…
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Help with credit file -
Hi, I was hoping someone would be able to offer some help or assistance to a current situation I find myself in. I am now 28 however 8 years ago when I was a student and living away from home I found myself short of cash and opened a new bank account with my student address at the time at Barclays as they could offer an…
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Help with credit file clarification
Hi, I need some advice about credit, as my situation is extremely frustrating (and unique). I am 26 years old with no black marks on credit file, sitting in Experian’s ‘good’ section. However.... I lived with my dad for the past year, and it seems he & the address have been caught up in some pretty bad financial trouble.…
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Equifax and electoral register
I have just discovered Equifax un enrols you from the electoral register which has halted my mortgage application. I couldn't quite clarify in my telephone conversation if this was down to the election in December or is an annual occurence, though I think it was the latter. None of the other main credit report companies…
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Cifas Marker
Hello, My partner has got a Cifas marker against his name. This marker will stay for around 6 years in total. I have a couple of questions (I have tried to research myself without asking on here but not getting very far). 1. Will he be able to open up a savings account now? He has an online current account with starling.…
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Cifas list probably?
Hello Have a question pls It seems im going to be on a potential CIFAS list because Aqua think i msy have overinflated my salary on the application. I didnt but they dont believe saying thsy when tried applying 5 months ago, my salary was lower? Told them i gotva better job. Then the lady started asking so many questions,…
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Credit Search for mis sold product
Hi I am hoping someone can give me some advice. I put an application in for a car lease with leasingoptions.co.uk. As part of the process I had a credit search done which I agreed to. This was approved on the same day (Monday 6th January) and 4 days after (and despite chasing for an update with no response) 10th January I…
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Fraud alerts
I've seen this mentioned on here before but don't know how you set them up, a colleague seems to be having lots of problems, most recently someone trying to buy a house!! Any ideas please
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Which CRA does Arval finance search
Hello Does anyone know which CRA Arval finance search? I’m looking at a car lease through them. Thanks
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Experian Letter Scam? Feeling Worried
Hi, I received a letter purporting to be from Experian. It has an experian logo but no address at top and is addressed to my current address in my maiden name, not used by me for over 40 years. It states that they recently received an application request for a Statutory Credit Report but due to a technical error they were…
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Am I on the electoral register..
Does this mean equifax don’t currently have me on the electoral register at my address?? https://www.dropbox.com/s/gcwjuekidi707iv/Photo%2010-01-2020%2C%2012%2020%2024%20am.jpg?dl=0
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Closing Balance Transfer Accounts
After switching balances with balance transfer is it best to close the old account? Does it affect credit score if open or closed?
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Subject Access Request Question
Recently handed a few out but have two main questions 1 - Can they refuse to give all the information if there is too much information? Can they tell you to ask for less? 2 - Can they falsify details? I know its illegal but how would anyone actually find out?
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Resovecall chasing 9/10 year old debt
Wondering if anyone could shed any light and give advice on what to do. On 16/12/19 letter received from arrow global stating despite multiple attempts I’ve not been in touch regarding EGG account so now passed to resolvecall. 1st letter I’ve received from them. Lived at this address 10 years. 25/12/19 arrow global AF…
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Cancel DMP before first payment?
Hi I recently agreed to a DMP with a credit card company, however my financial situation has change, and I could now pay the arrears I was in to bring my account up to date Is it possible to cancel this DMP before first payment is due (21st) and for it to be removed from credit file? Has anyone done something like this…
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Connections on credit file
Hello! I’m new! I’m also very new to credit scores/ratings as I’d like to purchase a property but that’s another story. I’ve noticed I have three connections on my clear score file. Two being my deceased Mum (one has Mrs and the other doesn’t) and one being my partner. Once never had joint credit with either, but I do…
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Opening current account and credit card at same time
Will opening a current account and applying for a new credit card around the same time affect my credit? If so, how long should I wait to apply for a new credit card after opening a new current account
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Switching Bank accounts
I want to take up some of the bank account switching offers for the free cash. I have two bank accounts with different companies, one which has no money in it but I’ve had it since 2015 and it also has £400 overdraft limit with no fees which could be useful. And I have another account which I keep my money in but only had…
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Linked address to payday loan company on my credit report
Long story short. I took out some payday loans back when I was younger and dumber. Last one should drop off my report in June 2020 as I paid off and settled any PDLs in June 2014. Whilst I'm gleeful at the prospect of the PDLs coming off my report, I looked closer noticed that in my linked address, the PDL company is also…
