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I've paid off my credit cards after debt- do I keep them open with the same limit?
I have a 3200 and a 2100 credit card. I have been in bad shape with these and got myself into debt with 100 percent credit utilisation and some missed payments. I have recently received inheritance money so I was able to pay both off in full. My question is whether to keep credit limit the same on both cards? I will not be…
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Closing credit cards and credit ratings
Hello, I've got a few credit cards and all are paid off/zero balance so thinking of cancelling them now but would doing this impact on my credit rating? I've got Barclaycard, M&S, Virgin and my own bank card but really don't need or want all those. I won't be applying for anymore cards and was thinking of just keeping my…
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If paying a credit card in full all the time and keeping it under 25% why do they increase the limit
Hi. About 6 months ago i started saving and now have 6k and wanted to get a credit card to build my credit. when i used the elagabilty calculator for no credit history i got offered a card for ccj and default at around 24% and a marbles card around 34% for building credit so i took the marbles as i dont have ccj's. I have…
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British Gas ~ Default Notice ~ What are my options now?
So to give a bit of backstory here; I had a Lloyds bank account and on the phone app it came up saying I could open up to 5 savings account and name each one and save for things I wanted, ie New York, etc. So I opened one and moved my money for the month into it and then Lloyds locked it (with my money inside) led me on a…
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Dispute o2 or equifax
Held at o2 Contract and paid it off slightly early as I needed a new phone and completed a switch to Vodafone in September 2019. On my credit report o2 still appears as a loan account actively held and is currently showing uptodate even though I paid this off long ago. I have spoken with o2 several times who have assured…
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Thames Water & Credit File
Hi, I missed payments on my water bill for quite a long time. These have now all been paid and the account has been brought completely up to date but the entries on my credit file don't seem to match the payment history. History: I didn't make any payments between early 2013 and May 2018. In May 2018 I made a full payment…
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Will repaying my 0% interest overdraft have a positive effect on my credit score?
I'm a little confused whether this is the case - I've read online that not using savings to pay off debt that is of little financial consequence is better than repaying it for the sake of doing so. I have a low credit score, but I've worked my tootsies off to try and get a decent amount of savings behind me but my credit…
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Improving my Credit File with a view to getting a mortgage
Hi I am mid 30s and have never had a mortgage. My financial situation has been terrible since I was 19 or 20. On my credit file I currently have 5 defaults and 1 CCJ. My total debts are around £7k My credit score is around the 400 mark. I have the money to pay off my debts in total within 4-5 months of this post, so they…
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ccj
ccj solved
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Credit Score Improvement Help
Hi there, I've recently been in a bad situation and I'm around 5-6k in debt and my credit score has plummeted . I've come into some money recently and was wondering what the best way to improve my score would be. Would it be better for my score if I payed the debts off in full and then got myself a credit score builder…
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3 identical letters from NatWest after failed credit card application.
Hi all. I tried to apply for a NatWest credit card on the 1st May 2020. Everything was going smoothly until I got to the final page and tried to get the result. The only info I received was an error message shown on the screenshot. As you can see, the website says "We need to ask you to start again please". My logical…
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Travel refund to credit card impact on credit score?
I've had a refund to my credit card due to the travel company cancelling my holiday in response to Covid-19 (Jet2 refused to refund me) but as this is sitting as credit on my credit card I wondered if asking to have it moved to another account would impact my credit score negatively in the same way as a cash withdrawal…
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When does my CCJ disappear from my file?
Hi all Just a quick one- a bit confused. Will my CCJ drop off my file next month or next year as per below? Do i take the 6 years from 'date' or 'discharged date'? Fingers crossed i get rid of once and for all next month....... Thanks in advance.
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Can Credit Reference Agencies cross reference Card Payment Details
When I first moved into my flat, I became aware that my address, the block of flats is “ Red Lined” which means all applications for credit, mobile phones, bank accounts etc are automatically rejected because of the address. On a number occasions, when my bank has discontinued one bank account and insisted I must apply for…
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Someone else's name on Electoral Roll section of credit report
I am currently not on the electoral register, but wish to, to get the bump in credit score. However, when I check my report on clear score it tells me that I am registered on the electoral roll, but it is my twins name, rather than my own. Obviously, we share the same family name. Do I need to dispute this, or should I…
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Help hard search
Please help a payday loan company has twice in 3 months run hard searches on my file . It’s statute barred, they’ve said it is , that they can’t enforce it yet they keep running hard searches saying credit application search which I have not. Can they do this. ? This has been statute barred over 2 years.
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Dispute between Transunion and Klarna going nowhere??
Hello, There are missed payments on my credit file from Klarna when I returned an item and where still expecting payments. They accepted that this is wrong and are now in contact with Transunion to have this removed from my credit file. I first disputed this over 6 months ago and have been repeatedly told by both parties…
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“Satisfied” Default
Hello, I am disputing final costs with a finance company which the ombudsman are looking into. The company told me that they would not impact my credit score until a decision was made. Last month a default was recorded. I spoke with the finance company who apologised, saying it was a mistake and they would remove it. I…
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MSE Experian credit file
Hi, I’ve been using the MSE Experian credit file since it began, now, all of a sudden it can’t confirm my identity! I’ve not moved or had any changes to circumstances it’s just suddenly stopped. Is there anyway I can sort this? Experian aren’t interested, they’ve not replied to any of my emails and when I go on their…
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external score decline. what does this mean?
hi I applied for credit card (MBNA) but I have a good credit score with no missed payments. I wanted to make a balance transfer from Sainsbury's credit card to MBNA but said they couldn't as there is an external score decline? I'm am waiting for refund to pay off the Sainsbury's credit card but as like everyone COVID-19…
