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Wonga Defaults Every Month
My credit file shows that I’m in defaults with Wonga and have been since 2017. However I had paid the account off in 2017 and I’m confused and unsure how to get this removed from my credit score given that I’m not able to contact Wonga. Please can anyone help me with this a it’s evidently having a negative affect on my…
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CiFas
I have a cat 6 CiFas which as made me unable to get any bank account in Uk, I’m a citizen of Ireland and I was thinking if I move to Ireland would CiFas record would follow me there, which might prevent banking also
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Does anyone know a free credit report that does a graph of your total debts including mortgages ?
I know 'check my file' do this but the charge a fee after 30 days. I would rather it was 1 graph showing total debts. We are trying to pay down as much as we can and I think it would be handy. Thanks - Paul
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Experian wont delete mistake
Sorry i will try to explain best i can. I have always had credit cards and i always use balance transfers to avoid high interest which has never been an issue i have never had any late payments or anything so i usually always get accepted. A few month ago i applied for a Natwest one and it declined so i thought maybe they…
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Credit Score - adverse account advise
Hi, November last year I checked my credit file and discovered I had an adverse report through Shell energy (was originally first utility). To cut a long story short I believe I do not owe this money. On discovering this on my credit file I contacted Shell - it is over 3 years since I left the property they claim I owe the…
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Store Card in Default
Hi can anyone help? I’ve had a store card (Argos) put into default much to my shock as my credit rating is good. I only realised when I logged in to make a purchase and saw my card was in arrears. I checked through my direct debits and statements and the DD was reversed in September 2019, went through fine in October,…
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Poor credit help!
Hi, I have a credit score of 692 with Experian report. My OH wants to buy a property in my name with a mortgage for our nanny. I’m worried I’m not going to get accepted for a mortgage he doesn’t know my credit score and there is a couple of CCJs on there (dated 2015&2018)and a bit of outstanding debt. I am paying off but…
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Tandem cash back credit card affected my credit score
As many people I applied for Tandem cash back credit card in November. Got it with no problems, used it with no problems. Then the membership fee introduction came so I decided not to participate. I let my balance clear and left it there. I have checked my credit score and noticed red warning because I had account / credit…
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CCJ that is not mine
Hi I would like some advice on a CCJ that is not mine on my credit report. Over a year ago I noticed on my credit report that there was another address added, this was listed as current address, telecoms bill, credit card and Thames water. I have never known to be at this address and do not know anyone that lives in that…
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Does Life insurance payments impact credit file
I'm recently taken out life insurance cover and due to a communication error with the premiums I've asked my broker to look for a better deal. We've found the desired new policy and the recommendation from my broker has been to cancel my direct debit with the current policy provider which will cause the policy to lapse…
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Lowell Group Email but nothing to do with me
I have today received an email from the lowell group to my outlook account but it was addressed to Miss followed by my name and I am Mrs. When I called them they seemed quite determined it was me they were trying to contact as they have been writing to me (which they haven;t). I refused to give them my details as I don't…
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Old BT account has appeared on my credit report
In the last couple of months, an old BT account from my previous address has appeared on my Equifax credit report. It shows as being opened in August 2013 and for the last 3 months on Equifax shows as on time payments. We moved out of that address in October 2013 and whilst we may have brought that account with us in the…
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One default showing as two?
Hi, a Barclaycard defaulted back in 2017. I am paying Robinson Way back for it. On my credit report I have a default from Barclaycard and a default from Hoist for the same amount at the same time. Does this count as two defaults or one? If it counts as two that doesn't seem fair. From what I can see they are all the same…
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Arranged Overdraft Usage and Credit Score Effect
Hi Was wondering if anyone has quite specific information with regards to usage of arranged overdraft facilities with regards to a couple factors. One I was wondering - if you only in overdraft for one or two days - is there an impact on your credit score if that's how long you in your arranged overdraft for... Ie as…
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Credit score down because of court judgment against family member
I noticed my credit score went down today and on closer inspection and talking with my father it appears a court judgment against him has appeared on my credit report. Needless to say he wasn’t best pleased about it (especially as he is a private man) however how could this happen and how do I correct the problem. I assume…
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Incorrect entry on credit file
Hi In May 2017 I went bankrupt and was discharged a year later. I recently checked my credit file and noticed there were a few incorrect entries like open accounts and incorrect default dates. I’ve managed to get all those sorted with the exception of one. Hoist Portfolio LTD are still reporting an open account with an…
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Bank Error
Hi MSE Forum, In December 2019, I received a letter from a bank I don't bank with informing me that they have sold my debt to a collection agency. I have no affiliation with this bank so this was a bit of a shock to read, especially around the Christmas Period. I took the letter to my local branch of this bank and the only…
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Extending limits
This is probably a silly question but if you don't ask you don't know... I've been trying to reorganise my money during lockdown, partly because it's a good idea and partly because I want to be prepared for any potential redundancy in the forthcoming recession. I'm trying to make sure I save as much as possible, clear as…
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Struggling to get incorrect address history corrected on Experian credit report
Hi, hoping someone can offer advice on a really frustrating situation. Apologies for long post. Since January of this year I have been trying to get incorrect address history information (I lived somewhere 2014-2015, on my report this is listed as 2014-2020) on my credit report corrected. I reported the error to Clearscore…
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Default removal advice please
Hi All I am hoping somebody can confirm my thoughts. I've attached a screenshot from my credit report which shows a default that was then transferred to a DCA. The 'account settled ' date on both entries is 31/07/2014. Am I correct in thinking that it should be removed from my credit report on 31/07/2020 (I'm aware it…
