-
0% Credit Card not reporting as a promotional rate on my Credit File
Just checking through my credit file for any anomalies, and just spotted that my Sainsburys Credit card that I've had since January 2019 has not been reporting as a promotional rate even though its 0% on purchases until March 2021. Other 0% purchases cards I've had have correctly reported as promotional rates. As I'm…
-
Serious Issue: Cant Apply any Current Account on my Current Address
Hi Everyone, I had an serious issue about getting a current account, I am a UK national but i lived in switzerland for past 6 years. I no longer have any uk highstreet bank account. I recently move back to UK for new job. I had rented a studio in Wolverhampton. I tried to apply a new current account on my current address…
-
Credit Building
Hello Everyone, (Asking on behalf of a friend) so they are looking to build their credit and have never had any credit before and was looking for some tips on how to get started. Any advice would be greatly appreciated.
-
BT affecting credit file
Hi everyone, I am in debt with BT broadband and TV package. I have been for a couple months because of health. Will this affect my credit file or does broadband etc not go onto credit files?
-
Credit club /Experian affordability
I'm sure I'm missing the obvious but here goes. 3 months ago my predicted credit card and loan affordability plumbeted for no apparent reason (no significant changes and regular payments all met) via the credit club/ experien report i get. My debt ratio to annual income is 20% (excluding mortage) but is coming down by £600…
-
Searches on credit file
I see on my credit file.....with Equifax at least that there are 2 types of search credit and other Now it says I have had one credit search recently ( correct ) yet there appears to be multiple other searches ....these look like ID checks and such as when I have searched for car / home / life insurance.....these number to…
-
Moved: Please Help - My credit score is 250 - I have 5 Public CCJ from Parking Companies on my cred…
This discussion has been moved.
-
Anyone with a CCJ from a PARKING FIRM: please post on the parking tickets sub-board instead
After reading the 'advice' here: https://forums.moneysavingexpert.com/discussion/6123976/please-help-my-credit-score-is-250-i-have-5-public-ccj-from-parking-companies-on-my-credit-file/p1 I am so shocked by the terrible advice there, seeing that a few posters here got so fed up with the posts from the victim of a scam…
-
Credit ratings during coronavirus
Just wondered if credit rating providers are taking in any considerations during coronavirus on credit ratings? I am in a fortunate position right now but I felt many people may not be. Any knowledge on this topic ?
-
Incorrect arrears flag on BMW Finance account
Hi folks, I am having some issues with the way BMW Financial Services are handling the PCP for my car. The contract was a 36 month PCP, and was all paid correctly. Due to BMW delaying the delivery of my new BMW, they arranged to extend my PCP by 3 more months until new car was ready, and again payment was made as it should…
-
Equifax Webdetect Alert
I have just received an email from Equifax as below. I am signed up to Webdetect but do not quite follow what they are telling me and how much I need to do to protect myself. We're contacting you because WebDetect has located some of your personal information on the internet. We're notifying you so you can review this…
-
Chasing for debts I have not had with incorrect details
I receive a letter from a debt collector to ask for payment of 4 supposed debts. Firstly the name ( supposedly mine) is misspelled and secondly I do not know anything about these. There is no proof of what they are but just 4 different debts and amounts: Freemans catalogue, Vanquis, Capital One and EE. I have not had any…
-
Missed payments on defaulted credit cards
Hi, If you are making token payments, and you miss a payment, does it impact your credit file? Say even if the default is 3k, 2.5 years old, with a token payment missed only?
-
Links broken (Credit Club)
Hi, This is the third month in a row that I have had an e-mail informing me my credit file has been updated yet when I go to the credit club page and try to look at my file nothing is there. It would appear the link is broken. Anybody else experiencing this?
-
Advice needed
Good morning, I was wondering whether anyone could give me some advice. I have looked and my credit score went down 44 points today! And it’s due to an American Express credit card being removed. Is it worth me calling Amex to have the account reinstated. I don’t use it but it obviously looks good on my credit rating! I’m…
-
Default or not?
I’ve had default notices from a couple of creditors, continued to not pay or rectify the accounts, but my credit files still show the accounts as late or missed payments and don’t show a default. I want the accounts all defaulted before I start a dmp but I don’t understand why they’d send default paperwork but not reflect…
-
Credit Report - Scottish Power refusing to remove default error
Hi, My partner recently applied for a mortgage and a default was flagged in her Equifax credit report. On checking this was found to be for an unpaid bill with Scottish Power at a former address. However, the date was for a period after she had moved from the property and closed her account with Scottish Power. As she was…
-
Drafty.co.uk
I don't know if I've posted this in the right section or not but I was wondering if anyone can answer the following question. Is having a credit line with Drafty.co.uk the same as taking out a payday loan in that in future if I apply for a mortgage it will go against me. My balance is zero and has been for a few months.…
-
Covid Interest free overdrafts
Some lenders such as Barclays are making part or all of their overdrafts interest free for a period of time from April, no questions asked. The question I would like to as, though, is whether using this interest free buffer (£300 or so for Lloyds group and HSBC, £1000 for my Barlcays overdraft) show up on my credit report…
-
Credit Card - has anyone had repayment lowered over covid period?
Hey, During this difficult time and being furloughed...i am obviously concerned regarding finances, has anyone had a conversation with credit card companies regarding their statements to see if they will lower the minimum repayments for now? Thanks in advance for your help.
