-
Santander card closed ( Cifas marker)
Hi guys I’m 17 years old currently in college, a few months back I was naive enough to add one of those frauds on snap which at that time I didn’t know about because it seemed genuine and said it was legit and risk free so I thought why not, so the lady messaged me and asked if I wanted to make money and I said yeah then I…
-
CIFAS dispute
Hi, I’ve just discovered from a subject data access request that a CIFAS marker was placed against me which I know is incorrect and wanted to get some help. The case type was Identity Fraud and the reasoning was Impersionation - Current address fraud. It was placed by a loan company whom which I had applied years ago, on…
-
At the end of my DMP... now what ?
Good evening, all, I hope everyone is safe and well. As the title suggests, I have been in a debt management plan since the beginning of 2017. I was determined to clear these bills and I stripped back all my spending in January and now I only have one payment left (have been furloughed at work thankfully). To be honest,…
-
Unrecognised Default on Credit Report
So I logged into my ClearScore today to check my latest credit report and a new account has appeared on there that I don't recognise. It's a loan from Admiral with a £75 balance, which apparently defaulted in July 2014. It says 3 payments were made and 3 were missed, which suggests the overall amount was £150. This has…
-
Ex partner incorrectly listed on credit file
Hello all, just after some advice or to see if anyone has been in a similar situation. I have been a member of Experian for some time and always keep an eye on my credit report. My partner uses clear score so thought I would give that a try also. Having looked at my ClearScore report I can see that my ex partner of 4 years…
-
Credit agreement I’ve never heard of on my credit file
Today I received an email from ClearScore notifying me that there is a new alert available to view on my credit report. I clicked onto it to see what it was and there has been a new agreement set up with a company called Link Financial who I have never heard of before, but after searching them online it has become clear…
-
Equifax dispute
Hi, I raised a dispute with Equifax about a utility account that is negatively affecting my credit score. The utility account is showing that I missed payments between 2015 and 2018 at one of my old addresses, however, I moved out of that address in 2011 along with my Dad and entire family. Also, that utility account…
-
Universal credit
I am self employed currently earning no money. I have applied for universal credit and hoping to get the government grant in June. Will either of these payments affect my credit rating in relation to future loans, mortgages etc I currently have no debts Thank you
-
Credit Score from old credit card
Hi all, Some advice please! A few years ago, I started the long mission if being debt free (I was circa £20K in debt and in a horrible place). Anyway, doing miles better today, with one loan and one credit card outstanding. My credit score is still pretty awful, due to the late payments and defaults remaining from 4+ years…
-
Electoral roll update
Hi all I just had an email from credit score saying I had an electrol role update Ive lived at the same address for 12 years the only thing that's has changed is my son left home a few months ago and changed his voting details to his new address could this be the reason or is it just a council update my address is still…
-
Increase limit or not? Conflicting advice!
Morning all, I have been monitoring my score through various different outlets, mainly Experian. However, I checked my Credit Karma (Noddle) account yesterday, which told me two things: - Increase my total credit limit would improve my score - Applying for new credit would decrease my score This is obviously conflicting…
-
Old unpaid Severn Trent bill reappear in my credit report as missed payments
This is my first post here and can anyone please help how to get rid of my old bill reappearing in my credit report after it was removed. I was living in my previous address from Dec 2012 to Oct 2015. I never paid any water bill because I thought that the water is included in my rent. Nevertheless I had a debt registered…
-
Possible incorrect default date
Hello all. Back in 2013 I fell into arrears on a Co-Op overdraft, and at some point in 2014 the debt was defaulted and sold to Cabot. This is the only black mark on my report, so naturally I'd like it to drop off as soon as possible, particularly as we're looking at a mortgage late this year (CV19 permitting!). Here's…
-
Closing MBNA credit card
Hi A few days ago I phoned MBNA to close my credit card having paid off the balance. Previous limit £3k. When I logged on through the app I see it has limit of £500. I phoned to ask why and was told it was their usual practice and ‘that’s what we do’. I hope they do close it completely but can’t see any point in reducing…
-
CCA request
I was looking for some help please if possible. I have DMP that has recently been set up, with mostly recent debts. However, I do have 3 very very old debts managed and owned by Capquest, Drydens and Cabot, for loans taken in 2005, 2006, and 2008. Are these worth requesting CCAs for? They were all defaulted and dropped of…
-
Fansbet
This company never paid me they ripping off so many customers. I checked the company rush partners and it showed they in £3 million debt. I checked the credit report and it was very bad showing. How are they still operating??.
-
Elephant in the Electoral Roll
Being on the Electoral Roll can create an identity conflict
for rural dwellers that often causes systems to fail applicants. I have taken the matter to the Council, the
Post Office, Experian, my MP and the Information Commissioner – none want to
know! The Post Office and Local Authorities each claim statutory
right to…
-
Put old address on Bank account form and got a search p7
I recently applied to santander for a current account we have other products with them and put our old address my accident and they declined the account. On my credit file it has a p7 search from them with no further details. Is there anything I need to do I don't need the account now will it effect my report any way?…
-
Settling debt that defaulted over 6 years ago
Hi, I had debt that defaulted 6 years ago. I have been paying it back at a small amount. This debt has now been removed from my credit score, however I am still paying the debt. I have received a letter from the debt agency with a settlement figure. My question is If I was to settle the figure would the debt reappear on my…
-
Debt collectors and searches on credit file
Hi, I just wanted to ask - Firstly, can a debt collector who owns a debt search a file whenever they want, even if the debt is like 15/20 years old, and has been sold on a number of times? If they can, are those searches soft searches/can't be seen by anyone else but me, and definitely not by lenders. And, as such,…
