-
Experian issue
Hi I'm trying to check my Experian credit score rating, but I'm going round in circles when trying to log in. Whichever way I try to log in, I keep getting redirected to a screen which invites me to either 'Login to Experian' (doing this eventually sends me back to this main screen), or to 'Click here to login to Gov.uk…
-
Electoral roll change
I've just moved out of my parents house and don't know how long I'll live in this new house I'm renting until I move again. Will changing my address on the electoral roll multiple times in the space of a year or two negatively affect my credit rating? Or is it balanced out by being able to report my rent on things like…
-
Soft searches
Will a soft search link my address via footprint if my address is not already linked?
-
Two Credt cards showing after paying them off
Hi guys, I hope you can help and apologies if this is something that's been answered before. I am just about to apply for a mortgage but the limit is hampered by a credit card balance showing on my credit report. I had £4k on a card, which I transferred over a month ago onto a new 0% card, which I sorted out funds to clear…
-
Failed credit check - but have a perfect credit rating
Hey guys, Wonder if you can help me? So I have just recently moved to London after getting a promotion. It's my fourth week here at this new place and I wanted to buy a MiFi dongle for mobile internet. I tried to buy one from THREE and Vodafone online but I have failed their credit checks. I looked at my credit rating on…
-
EDF
I'm looking at a new energy provider. I've recall seeing on here that EDF don't do credit checks or credit reporting. Is this still the case?
-
Default
I received a loan from a credit union in June 2011. I made payments regularly until I got into difficulty. I have not contributed any payments to this since October 2011. They transferred my shares to reduce the amount in January 2012 and again in October 2012. This left a balance of £647 which is still reflecting…
-
Person not at my address
How do I remove a persons name with a CCJ from my address who doesn’t live here and never has ?
-
Coronavirus mortgage holidays
Hi, My bank - TSB - offers mortgage payment holidays of up to two months because of the current coronavirus situation. I contacted them and asked if this would affect my credit in any way and they said it shouldn’t. Does anyone know how would this be recorded on the credit file? And is it really harmless? As it would help…
-
Going into unarranged overdraft briefly
I recently went on holiday and spent on my Monzo card. At the end I transferred my money back to my current account. Unfortunately the exchange rate changed so I was charged more than I was expecting. So I went into my unarranged overdraft by around 30p. I transferred money back into my Monzo account within minutes. Will…
-
Unknown source for linked address on credit report
I have used the MSE Credit Club Experian Credit Report to view my linked addresses. I've noticed an error on 5 of the 35 linked addresses and had a note put on my file against these. The wrong house number has been incorrectly used consistently on these 5 records. The stated source on these records is usually a bank name…
-
Electoral roll
Hi, been looking through my credit reports and everyone bar credit Karma which goes through transunion isn’t correct it says I’m not on the register when by the other ones I use Experian, ClearScore, Equifax says I am. what should I do?
-
Will my credit rating instantly improve when my ccj is removed?
I have a ccj on my credit file (which is satisfied) and the 6 year period ends in 1 year. I have no other negatives on my record. When the 6 years is up will my rating improve straight away? I am looking to get a mortgage next year and obviously this is hindering it hugely at the moment.
-
Credit score rating
Hi, I’ve been default free for 2 years and my credit score is still extremely poor. I pay all my bills and creditors on time but it does not increase. Is there a problem with my account?
-
Credit card utilisation “recently” over 50% - how long does it last?
Hi everyone, I recently paid off a chunk of a credit card balance, taking the balance from 55% to 37% total credit utilisation. However, I was surprised to see that my Equifax score via ClearScore hasn’t changed, even though my credit history reflects this payment. The orange “Medium impact” factor of credit utilisation is…
-
Is Anyone Else Having Problems With ClearScore Login (or is just me)
I cannot logon. I've tried resetting my password (but it won't let me in). I have tried a different browser...
-
Advice Required Please!!
I was overpaid tax credits by £600 2017-18 and £2100 on 2018-19. This was due to me working a lot of overtime and pushing up my wage plus my wife started a new job upping our household income. I received a letter from HMRC saying I needed to repay a total of £2700 and so I immediately contacted them and came up with a…
-
Unsatisfied CCJ & default payments
Hey all, Got myself into a bit of a financial mess a few years back, and finally I'm debt free as of December. I've just braved checking my credit files and seen a few things that are concerning me. Firstly I got a CCJ 3 years ago, and at the time had called the number straight away and was advised I could pay a reduced…
-
DMPAY "default" ??
Hi, anyone and everyone. I'm new here, so if I've posted wrong or if something like this already exists, I do apologise. Anyway, I'm here because my other half is having some trouble and we're unsure of where we stand. So... My partner had an account with Jacamo/JDWilliams. We were having issues with sorting out an…
-
Payment plan against my will
Hi, Really different question for you. I had a missed payments that built up over a couple of months with Very. I went through their debt online help. Then messaged them online with saying I can pay all off in less than a week. The message chat was clear and able to see previous messages. They then replied with they will…
