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8 year old debt
Hi i recently looked at my credit file and saw a debt to virgin mobile from 2012 my deceased wife put alot of things in my name before she passed midway through 2012..i have no knowledge of this debt..no payments have ever been made to it and a default was only given in 2018..ive been with virgin media since 2013 when we…
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Should I keep credit card?
So I have finally managed to obtain a loan to consolidate 3 credit cards and have a date of being debt free but I have a question. i have paid off all 3 cards and closed 2. my clear score says I should use less than my available credit but if I close the last card surely I will then be using more than 50% of my available…
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Mse Credit Club Experian Update 15th March
Interesting Experian are reporting one of my cards was updated 15th March- considering it's 8th today. At least the Balance is correct.
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Defaults
I have a poor credit file which I’m trying to improve. A lot of my debts were passed onto LOWELL and I have agreed repayments with them and have been making the payments for the last 6 months however when I view my credit file these payments are not showing and each account continues to show as defaulted each month, why is…
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CCJ That isn’t mine
Please help. I am in the final stages of checks to rent a house for myself and my son. A credit check has shown a CCJ for £3295 that was supposedly served to me in 2016 to an Adress I had moved out of 9 months before hand. When I phoned the court house to get the details I was informed it was for a dept dating back to…
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PCP affecting mortgage affordabilty/application
Hi everyone just looking for some advice on my situation So if always had 999 credit score and as of recent I applied for a PCP car and also then found out that they then put add the balloon payment onto the amount that they secure against you which is a total of 19k. So after it hit my credit score it only went down to…
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PayPal Credit
Evening all Going for a mortgage sometime in future- so to boost my credit rating, I’ve got a credit card, which I only spend 100 odd a month on and always pay balance in full. I applied for & got PayPal credit for the same reason. I’ve just used it to make a purchase- my question is - should I pay balance in full in a…
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Defaults
Hi. Trying to figure out if defaults due off next Aug/Sept are worth partially settling or not? Funds not available to fully settle at this time.
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Hitachi loan reporting on credit file
Hi I just wanted to check something is correct before we ring Hitachi. We have recently had a conservatory fitted. We paid 50% of the cost upfront and the remaining balance was on finance with Hitachi The amount on finance is £9,500 and is deferred payments until Dec 2020. When OH just checked his credit report they are…
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Credit record for foreigners
I have moved to UK a few weeks ago. Unsurprisingly, I have no credit history. But I can’t find any products that account for it, automated systems don’t recognize me. A Company that was doing background check for my landlord cancelled the check, saying it is not applicable to foreigners. Even the soft credit checker from…
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Help! Credit Spring - Identity Verification and Credit Quotation Search but not made by DH
We have just had an Equifax alert about a new soft search from a company called Credit Spring who have undertaken ID verification and credit quotation - the only issue is, DH has not made any credit applications (other than our current mortgage application) in months! Really worried that someone has access to his details…
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Totally money/Trans Union - Can't find me, and other issues!
About to start looking at mortgages and thought I would get my reports from the big 3 to show what kind of state I'm in and to say I am confused is an understatement! Long and short was in a DMP up until 2014 when they refused a lower offer of repayment due to going on to SMP. Post natal depression/head in sand it…
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Credit check
Hi guysTrying to check my credit with the MSE credit club, and cant get passed the identity verification as i don't have a credit or debit card. Is there any other way to check my credit that doesn't require either of those cards?Regards
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CCJ sent to wrong address- Help please!!
Hi, I've just found out today that I have a CCJ in my name after having a credit check run by a lettings agency that I am hoping to rent through. I got the reference number via an online credit check, contacted County Court Business Centre in Northampton who directed me to a parking charge company- Vehicle Control…
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LLOYDS BANK CIFAS MARKER!
I have recently been a victim of fraud. I recieved a text message saying that my fraud claim was being looked into. I immediately phoned the bank and told them i havent made a fraud claim. The lady on the phone was extremely apologetic and said this would be looked into. The following day, i recieved another text message…
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Credit rating and loan application
Hi all, beem working hard to get my score up as it dropped to poor late last year, got it up to fair and then applied for a loan today as a joint application with my wife. Logged into Experian to see my score has dropped now because of this and is now poor. My question is this; does the score drop after the lender looks at…
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Credit report correction
My sister's credit report has her details and those of another woman with the same. Report lists her on electoral roll for two addresses, there's also an unknown person financially associated with her, and a ccj which isn't hers. Experian have investigated but say the investigating service called Arrow claim all…
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Faster Credit Report Update
Hi all I went for a mortgage application just before Christmas and the advisor suggested I try to clear two credit cards down before going ahead with the application. I have now managed to do this, and have paid the cards off in full, and want to go for a mortgage again. My question is how can I get my credit report…
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Nationwide, Capital One, Cabot, Experian Confused!
I had two credit cards in default due to a financial 'glitch' following a medical problem, one is with Nationwide Credit Card and the other is with Capital One Credit Card, both debts were bought by Cabot Financial. In my Experian report it shows two defaulted credit cards which makes sense, but after looking closer it…
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CCJ on credit rating due to unknown fradulent use, probably by later tenant.
My wife was checking her credit rating recently and noticed a CCJ. We have applied for a copy of the judgement, and this relates to a claim made against her by Debt Manager (Services) Limited in June 2018 and appears to relate to a Next Directory Debt accrued in 2016. The problem is that the debt was accrued by someone…
