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should my credit be so poor
Hi, I signed up to MSE credit club yesterday and checked my report. I have quite a lot of debt, around 40K in my name spread across 6 credit cards and a loan. I have no missed payments or CCJ's etc. My credit score if 674 which is poor. The only 'amber' factors are my debt level and credit utilization. Should my credit…
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Credit default on amount I do not owe
My original supplier ExtraEnergy went into administration. Therefore, my account was automatically transferred to ScottishPower. I heard lots of bad stuff about them so I moved to a different energy company. Scottish power produced a final bill for me for £297 which is twice as much as I pay also the final estimated metre…
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What happens to unsettled debts after 6 years?
Hi everyone, A couple of years ago, I was in a very abusive relationship which involved a large amount of financial control/blackmail. It has since gone through the courts and I’ve tried my best to get back on my feet since. Fast forward to the end of 2019 - I had an outstanding Wonga loan from this relationship. The loan…
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Credit Application Search Removal
I recently applied for a credit card with RBS which was initially declined. After querying this I was told that there were a couple of issues with my application; 1) incorrect address details, and 2) no proof of income. After providing them with the correct address and my past 3 months pay slips the application was…
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Moving in with my brother
Hi, I plan on moving into my brothers house. The problem is he always fails to pay council tax and bills etc (he has no money issues he just is really badly organised) by moving in with him will it have a negative effect on my credit rating as I imagine his address is a bit of a flag thank you
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Credit score fraud
I have clearscore and halifax credit checker. All of a sudden my score went right down. I looked and there has been 19 accounts, lots in default and a ccj added. Which is my name, spelt differently but in a different address. I have lived at my address for 17 years and I am on the electoral roll. These accounts spread…
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Problem with Transunion
Hello, could anyone, please, advise where to complain about Transunion? PRA Group filed wrong address with Transunion. Not only they made mistake in their own data, they managed somehow to amend my electoral roll information on Transunion books. I disputed an electoral roll information, sent Transunion letter from…
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CCJ who to contact
I just became aware of 2 CCJs on my file from Northampton County Court. I have no idea who has entered these but they are Aug 2018 and Jun 2019 and under Registry Trust Ltd. As expected there is infinite never ending queue when ringing the court or other options say contact the debtee directly ? Really, with no info ? The…
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Debt card fraud bank a/c closed
Hello, My wife was a victim of identity fraud just before Christmas. She had details of her debit card accessed on multiple occasions: three times with Monzo and once with Lloyds. Both banks have now decided to close her account and there is no clarity on any repayment. What can she do? It seems that her cards were…
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is this right?
Just helping my brother with his finances again. He has 3 accounts with creation. We have just logged on to MSE credit club and these accounts are showing as fine and up to date, however there has been no update since 13th october, so about 10 weeks?? Is this normal??
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Grandsons has debt not his
I'm hoping someone can help me, my grandson has severe mental health issues (borderline personality disorder) and struggles to understand much of what is being explained to him and someone has taken advantage of this. They have got a car on finance in their name but somehow my grandson now has a £24,000 debt on his credit…
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is the same info reported to different CRA's??
Hi, Strange question perhaps..... Do banks report the same info to the various credit reference agencies, for example if someone had defaulted on their credit card, would the default show on all of the CRA's, or could the account look satisfactory with no default on lets say experian but then show as defaulted on another…
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Help - Unexpected debt letter
Hello everyone, I had a really worrying start to my weekend. Yesterday I got a letter through from student loans company saying that I owed £1495 and that as I had not paid it, they were sending it to Advantis debt solutions for collection. I've lived in my house for 3 years and never had a letter from them! I'm really…
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!!!Please help!! Completely entangled and mess of a credit profile
Hi everyone, I am in need of some serious advice as this has been an ongoing problem for the past two years and I am at witts end to say the least So it all started fine, I moved here from South Africa in jul 2015, opened a bank account, got on the electoral stole and got a phone contract all perfect. I moved houses in Oct…
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help with file
hi all new here first post im wondering why i have 9 accounts on my credit file the all say active securities they all say say closed and the balance says £0 but why is there 9 of them i dont understand thanks for any help here.
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Little Advice?
Hey new here I am starting to my debt free journey this year so i ordered the statutory credit report etc but there is some letters i am getting from debt companies regarding debts that are not on the file... what do i do about them? Do i pay them also? or do they not count as such any more...? im confused!!
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Checkmyfile report 8 year old arrears markers
Just done a report with checkmyfile and it shows arrears markers that are 7/8 years old. I believed they should be removed after 6 years?
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Can be deleted
Can be deleted
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On electoral roll 7 years but not feeding to Equifax
Hi I need some advice. I have lived at the same address for 7 years and been on the voters roll all that time. My data doesnt feed to Equifax and it is impacting my score. Equifax are blaming the council but councils submit yearly. Anyone else experienced this and does anyone know how I should resolve it?
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Error on file/Mortgage looming
Oh dear.... Just under three years ago, I lost my debit card and a direct debit didn't quite go through for a loan while the wrong number was registered on their records. I read the email (notice of arrears) almost immediately and paid up within 20 minutes. They cancelled the late fee and sent email confirmation that the…
